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Maa Santoshi-1 Group
In this Group: Baidaihi, Snehalata, Manjula, Sabitri
In 2010, four women from Bhuliasikuan village, located in Nuapada district of Odisha, India, stepped out and decided to build a secure future for their families with their contributions. They formed a group named “Maa Santoshi-1” to avail credit from Mahashakti Foundation for development of their existing businesses.

Sabitri is one of the group members. She is standing third from the right with her hand raised in the photo. She is 45 years old and lives with her husband, one son of 21 years and one daughter of 18 years of age.

Sabitri hails from a traditional cloth-weaving community. She has been running a cloth-weaving business with her husband. Presently she has three hand looms for weaving saris. Her husband purchases the yarn/thread from a trader 20 km away from her village. They knit 80 to 100 pieces from a bundle of yarn, which costs around 10,000-15,000 rupees. Sabitri has engaged two workers for the initial processing and weaving of saris. She only produces saris because of the demand in the market. Sabitri gets five pieces of sari per day.

She sells her products to the local traders, who come to take the products from her home on a weekly basis. From this business, she earns a monthly income of 10,000 rupees, which is not sufficient to materialize her future dream. With the present loan of 36,000 INR Indian rupees), she wants to buy thread/yarn in bulk. Purchasing more stock at a time will help her to reduce the purchasing and transportation costs of the raw materials.

Sabitri wishes to grow her business and save enough to complete her half-constructed house.

The other three members of the group are Snehalata, Baidaihi and Manjula, doing a mobile servicing centre and milk business, cloth vending and sweet items making, and weaving business respectively.

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
  • 6
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 61.4
    India Rupees (INR) = $1 USD