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Maa Tarini Group
In this Group: Santilata, Lakshmi, Urmila, Janaki, Budh, Mukhi
This group is called “Maa Tarini”. It was formed in the year 2013. All the six members of this group are women from the village of Kalsaipali and belong to the Below Poverty Line category. Kalsaipali is a rural village in the district of Bolangir of Odisha, one of the poorest districts in India. the majority of the inhabitants of this village depend upon cultivation and in almost all families there is a milk business.

Urmila is one of the members of Maa Tarini group. She is standing third from right, raising her hand in the photo. She is 51 years old and is a straight-forward lady, living with her husband, two sons aged 24 and 18 and one daughter aged 20. The primary work of Urmila is milk selling .Now she has five cows producing 20 liters of milk per day. Urmila supplies this milk to the households of Balangir town at 20 INR per liter. With this price of milk, on a monthly basis, from this business she gets an income of 5000 INR. Apart from this, her son and husband run a vegetable cultivation and vending business to add some extra income to the family. As there is growing demand for milk in the community, Urmila has planned to utilize the present loan for purchasing another cow of the Jersey variety. Urmila has a dream to save some money for construction of a house and purchasing a bike.

The other five members Santilata, Janaki, Lakshmi, Budh and Mukhi are also doing the same business of milk selling.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

Important note about this loan

Due to Indian government regulations, if you fund this loan, you will not be repaid for at least 3 years. This borrower will likely repay your loan much sooner than that, in which case, the Field Partner may re-loan your funds to help other local borrowers. We want you to be aware of this minimum 3-year waiting period and the associated risks before making a loan to Indian borrowers on Kiva. Learn More >

About Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 16
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 64.5
    India Rupees (INR) = $1 USD