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Prembala is a 39-year-old woman with two children. Her husband is 45 years old, and both of them have passed class VI (grade 6). Her husband has a computer shop and sells computer accessories. Prembala’s elder child goes to class VII (grade 7).

The earnings from selling computer accessories are not enough to run a family. According to Prembala, sometimes it becomes very difficult to arrange for sufficient food for three meals each day. Then she thought to do something on her own, but to do something, she needs capital. Then she came to know about BJS and has taken a loan to cultivate vegetables on a plot of land and sell the vegetables at the market.

She dreams to cultivate more of a variety of vegetables in the field with the profit money. She is thankful to BJS for helping her.

Additional Information

More information about this loan

This loan targets women in the financially underserved parts of India. With a largely rural population, the Jalpaiguri, Alipurduar, and Cooch Behar districts in the state of West Bengal are severely lacking in infrastructure and are three of the poorest districts in Eastern India.  This loan enables female entrepreneurs to maintain their current businesses in an area that is under-developed and poorly served by financial institutions

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 Belghoria Janakalyan Samity

Belghoria Janakalyan Samity (BJS) is a non-profit organization located in India that focuses on poverty alleviation through women’s empowerment. The organization is remarkable in its commitment to the holistic development of some of the poorest districts of West Bengal and goes further than most of its competitors in offering vital access to social services like child schooling, medical services and financial literacy training in addition to credit. Kiva lenders’ funds will be used to create new loans for clients, expand the reach of the organization into more rural areas, and deepen the scope of BJS’s non-financial services that provide key support to the surrounding communities.

About India

  • $4,000
    Average annual income
  • 3
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD