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Maa Ghatagan Tarini Group
In this Group: Padmabati, Bhagyalaxmi, Bijayalaxmi, Saraswati
Padmabati, aged about 46 years, is the group leader of a four-member group from Muniguda town situated in the district of Rayagada, Odisha, India. She is running a grocery shop and a tailoring shop. Her family is comprised of four members, her husband, and two sons aged 21 and 25. The member standing second from right with raised hand is Padmabati. Her husband owns an Auto Rickshaw and running from the Railway Station/Bus Station to nearby villages to earn his livelihood. Padmabati is a very active lady who wants some extra income out of her own efforts.

Padmabati along with three other members of her village formed a group and it is the fifth time she will take a loan from Mahashakti Foundation for the development of their existing businesses. At present her family income is about Rs.8,500 per month which is not sufficient to manage her family and to keep pace with present-day society.

To improve her living conditions and to earn some extra income, she wants to access a loan. From the loan she will add some grocery items like rice, pulses (lentils), wheat, sugar, tea, etc. to her shop. She has a dream to expand her business and wants to be a wholesaler of grocery items in her small town by maintaining varieties of items.

The other three members are Saraswati, Bhagyalaxmi and Bijayalaxmi,doing fast food, a rice mill and a grocery shop 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
  • $6,682,200
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Ghatagan Tarini Group's $2,475 loan helped a member to purchase rice, pulses (lentils), wheat, sugar, tea, salt, potatoes, onions, soap, washing powder, etc. for grocery shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 21, 2013
Oct 18, 2013
Currency Exchange Loss: