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Jaya, age 31, and her husband, Sona, age 37, with their two children come from the small town of Maynaguri in Jalpaiguri. They are both uneducated but know how to sign their names. She is a homemaker and her husband is a cycle van puller. Her husband's earnings are insufficient for their family, because the cycle van which he pulls is a rented one. To earn more income for their family, they both made a plan to purchase their own cycle van but due to insufficient money they couldn’t. So Jaya decided to take out a loan and purchase a van for her husband, so that her husband can easily earn more income and doesn’t have to pay any rent. They hope this business can be profitable for them because people use a van for traveling purposes and also for carrying goods.

Jaya's dream is to make her family financially strong with earnings from the business.

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
  • 93
    View loans »
    India Loans Fundraising
  • $6,138,650
    Funds lent in using Kiva
  • 62.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Jaya to purchase a cycle van for carrying people and goods.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 21, 2013
Dec 4, 2013
Currency Exchange Loss: