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Om Shanti Group
In this Group: Subashini, Sumitra, Ranjita, Runukar
Runukar, aged about 35 years, is the group leader for a four-member group from Bissam Cuttack, a town situated in Rayagada district of Odisha state in India. Her family is comprised of three members, her husband and their 12-year-old son. The member standing on the extreme left with raised hand is Runukar. At present she is running a tailoring shop in her locality. She is a very active lady who wants some extra income out of her own efforts.

Runukar is a tailor. During 2010, she, along with three other members from her village formed a group and for the first time they took out a loan from Mahashakti Foundation for the development of their existing businesses. Runukar’s husband does seasonal business. At present her family income is Rs.4,500 per month which is not sufficient to maintain the family.

To improve her living conditions and to earn some extra income, she wants to access a loan. From the loan she will purchase a Pico Machine. She has a dream to educate her only son in a better school for better education and have a shop of her own.

The other three members named Ranjita, Sumitra and Subashini have a grocery shop, tailoring and Leaf plate businesses 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
  • 83
    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 Om Shanti Group's $775 loan helped a member to purchase a Pico Machine.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 21, 2013
Oct 16, 2013
Currency Exchange Loss: