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Kana is a 52-year-old housewife. She is married to Nipen, and they are raising two children together. They do not have a concrete house of their own; they stay in a small cottage. They are so poor that they cannot send their children to school. Both the children are also involved in the clothing business; they sell clothes door to door and try to contribute money to the family according to their ability.

Kana has one sewing machine that she uses to stitch shirts, pants, blouses, salwar kamij (Indian suits) etc., and gives financial assistance to her family. She is a very hardworking and talented woman who has been pleasing her clients over the years with her qualified service. She wishes to take this loan to buy another sewing machine so that she can earn more earn money to rise out of poverty.

In the future, Kana dreams to expand her business in the district. She also has a vision of having her own tailoring shop, where she will be able to employ more women so that their families’ economic conditions also improve. Kana is confident that she will develop a good business in the years to come.

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
  • 95
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 63.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Kana to purchase a sewing machine to extend her tailoring business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 9, 2013
Nov 12, 2013
Currency Exchange Loss: