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Sai Ram Group
In this Group: Kalyani, Kumudini , Prabhati , Bharati, Ayesha, Jhilli
Bissam Cuttack is a small town of the Rayagada district in Odisha, India, where Kumudini, about 48 years old, resides with her husband and four children. They have two daughters, about 26 and 22 years old, and two sons, about 28 and 24. The lady seated at extreme left with raised hand in the photograph is Kumudini. In the year 2011, she formed a JLG with other members of her village to avail loan from Mahashakti Foundation.

Kumudini has done tailoring and embroidery work in her house for nine years. She has one tailoring machine. Her younger daughter is helping her in this business. Kumudini and her daughter both know embroidery work. Besides the tailoring work, she makes toys, pillow covers, wall hangings in different designs, TV covers, filter covers, etc. She has a good number of customers. Peoples give orders for wall hangings for their new houses. Kumudini earns about Rs 6,500 in a month.

Her husband does a private job with a monthly salary. According to Kumudini, this amount is not at all sufficient for her to manage the household expenditure as well as business expenses. So she wants to expand her business to earn some extra income. This will be her second cycle loan. With it she wants to purchase new cloth, threads and one Pico machine. Kumudini has a long desire to have an established cloth store with embroidery at Muniguda and gain name and fame in her locality.

Besides Kumudini there are five other members in the group. Three members - Ayesha, Bharati and Kalyani -- need a loan for a readymade dress shop, a fast food hotel and a tailoring shop, respectively. The other two members - Prabhati and Jhilli -- both need a loan for leaf plate wholesaling.

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
  • 2
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 63.3
    India Rupees (INR) = $1 USD