Check out some available loans that are similar to this one!
Nilima is 27 years old, married and raising two children, together with her husband. Nilima is illiterate and can only sign her name. Her husband Kamal has an education up to class V ( Grade 5). He is 39 years old and a car driver by trade. They are providing education to both their son and daughter. They are in class V (Grade 5) and class III (Grade 3) respectively. They have a semi-pacca (brick-wall, straw roof) house in the small town of Moynaguri, in the district of Jalpaiguri.

To provide the primary income for her family, Nilima is involved in animal husbandry. Thanks to her hard work and dedication. But due to the small income of both husband and wife, they are unable to give a good living standard to their family. So she applied for a loan from BJS to purchase a cow to start a business selling milk, which has a great demand in their locality.

She hopes to earn more profits from the business, so that she can meet the increasing household expenses, give better education to her children, and upgrade their semi-kachha house to a pacca (brick) one.

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
  • 1
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 63.0
    India Rupees (INR) = $1 USD