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Geeta is a housewife from a small village Kalirhat in Dhupguri in the district Jalpaiguri. She is 34 years old and attended school up to class VIII (Grade 8). She lives with her husband and only daughter aged 17 years. They have a small semi-pacca house (brick-built with a straw roof). Her daughter is a student in class twelve (Grade 12). Her husband Ratan, who is 38 years old, is a farmer. He completed his primary education. He is engaged in agriculture, but due to lack of capital, he cannot invest much money in his business. He is the main breadwinner of the family and works hard to be able to make ends meet. Yet he is unable to give enough financial sustenance to the family.

Geeta is determined to help her husband by providing financial assistance. So she has decided to take a loan from Kiva’s partner BJS, who gives loans to rural women, to buy potato seeds and fertilizers to start a potato cultivation business in their own plot of land. She is very energetic and enthusiastic and hopes to earn profits by selling the produce in the local market. It is a profitable business as the produce has a good demand in the present market.

Geeta's goals are to upgrade the financial condition of their family, give her daughter a good future, and enhance the business to secure their future. She dreams of building a pacca house (concrete-made) of their own with the profits from the business.

Geeta and her family will be thankful to both BJS and Kiva.

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
  • 0
    View loans »
    India Loans Fundraising
  • $6,670,050
    Funds lent in using Kiva
  • 62.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Geeta to purchase potato seeds and fertilizers for starting cultivation of potatoes.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 28, 2013
Dec 6, 2013
Currency Exchange Loss: