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Maa Mangala Group
In this Group: Jharana, Labanyabati, Sujata, Susila
Jharana is the leader of a group that hails from Bissam Cuttack of Rayagada district of Odisha, India. She is a married woman of 35 years of age. She has a small family comprised of four members including one daughter and one son, aged 12 and 16 years respectively. The member standing second from right with raised hand is Jharana.

Jharana manages a small grocery shop in her locality. Her husband does seasonal business in her village moving from market to market. In 2010 Jharana, along with other three members from her locality, formed a group and took a loan from Mahashakti Foundation for develop their existing businesses. This is the third loan for Jharana from Mahashakti Foundation.

At the time of accessing her first loan, her husband was accustomed to attend weekly markets of nearby villages for seasonal business. Out of their small income, they are maintaining their family in a low profile way. To improve her living condition and to earn some extra income, Jharana accessed a second loan and constructed a shed in her house and started selling grocery items. Now she is very much confident in running her business and has developed her grocery shop significantly. At present her monthly income is Rs.5,000 but that is not sufficient to lead a better life. So, she wants to take a further loan to add some extra items like rice, pulses (lentils), sugar, tea, flour, oil and other grocery items. She has a cherished dream to educate her children in a better school/college so they can get employment in the government sector.

The other three members are Susila, who has a fast food centre, and Sujata and Labanyabati who make and sell leaf plates.

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
  • 85
    View loans »
    India Loans Fundraising
  • $6,091,475
    Funds lent in using Kiva
  • 62.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Mangala Group's $725 loan helped a member to purchase rice, pulses (lentils), sugar, tea, flour, oil and other grocery items.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 21, 2013
Oct 16, 2013
Currency Exchange Loss: