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Maa Santoshi Group
In this Group: Dulabhi, Purnama, Jhingati, Kousalya
In the year 2010, four active ladies from the weaving community of a rural village called Bhuliasikuan of Nuapada district of Odisha, India formed a Joint Liability Group named Maa Santoshi with the objective to expand their existing businesses by taking loans from Mahashakti Foundation. Dulabhi, the energetic lady of 24 years sitting second from right with raised hand, is one of them. She is very active and always cheerful. Her family consists of her husband; one son aged seven and one daughter aged five years.

Over the last 10 years, Dulabhi has been running a cloth vending business with the help and support of her husband. This is their traditional business. She purchases ready made garments and saris from a wholesale market 200 kilometers away. Her husband moves to different villages and weekly markets on a bike to sell saris and garments. She earns a monthly income of 8,000 INR from her existing business. But the present income is not sufficient to manage the business expenses as well as the household expenses of her family. So Dulabhi wants to raise her income by increasing the volume of her business.

This is her fourth loan from Mahashakti Foundation and looking ahead to the coming festive season, from the present loan of 40,000 INR she is planning to purchase some quality saris and fancy garments to sell. Dulabhi assumes that this will definitely generate a handsome sum in extra income. Dulabhi has a dream to save enough for construction of a good house.

The other three members of the group are Kousalya, Jhingati and Purnama running a cloth vending business, general store & cloth vending and Tiffin centre, and fancy store businesses.

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
  • 7
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 61.4
    India Rupees (INR) = $1 USD