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Basanti is a 31-year-old married woman. She is a homemaker and her husband is a rickshaw driver. Though their education is not very high, they can sign their name. They have three children, two of whom are studying and one is working as a mason. Her husband has taken credit from the market for her family's use, which Basanti didn’t like. Her husband is a rickshaw driver but due to insufficient earnings, he is unable to clear all the credit that he has taken from the market. The credit was necessary to feed his family. So, to clear her husband’s credit, she made the decision to take a loan to purchase a cow, sell its milk and earn a profit with it.

She is a hardworking woman who wants to help her husband in any condition. Now they are living in a Kachha house (a house made of mud and straw). After earning a good profit from this business, she would like to build a Pakka house (concrete house) for her family and would love to give a higher education to both her children so that they can live happily throughout their life. She is very grateful to BJS and KIVA for this loan, as she was very much in need of it.

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
  • 92
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 63.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Basanti to purchase a cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 9, 2013
Nov 12, 2013
Currency Exchange Loss: