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Laxmi Self Help Group
In this Group: Carubala , Jayanti , Basanti , Chinmaye , Diptimaye , Lili , Bidyutprava , Namita , Puspanjali , Bishnupriya
In 2012, 10 women from a village of Khurda district, Odisha, India stepped out and decided to build a secure future for their family. They formed a group named Laxmi Self Help Group. The members of this group are all women. One of them is Mrs. Carubala, who was selected as their president. The lady sitting second from the right hand side in the photo is Carubala.

Curubala is 49 years old and lives with her husband and her two children. Her husband is a farmer and has been involved in cultivation for a long time. She got the idea of doing paddy cultivation from her husband, so she gathered some other women from her village and told them about her plan. They liked her idea and appreciated her. She took on the leadership of the group and started the cultivation of paddy and sells it in her village. She has very good relationships with her customers as she sells paddy or rice, whichever is required by the customers, on time.

Now she has a new idea, which is to lease more land for cultivation so that she can do paddy cultivation on a larger scale. For this reason, she and her group have requested a loan amount of 250,000 INR to purchase seeds, fertilizers and for leasing farmland.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 106
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 62.5
    India Rupees (INR) = $1 USD
A portion of Laxmi Self Help Group's $4,000 loan helped a member to pay for purchasing seeds, fertilizers and for leasing farmland.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 31, 2013
Oct 7, 2013
Currency Exchange Loss:
Nov 6, 2013