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Haseena is a 29-year-old woman. She is married to Mansur, who is 42 years old. Mansur is a farmer. They both are illiterate and can only sign their names. They have four children going to school.

Haseena is a dedicated mother, as well as a hardworking housewife. Haseena lives in her own kaccha house, which is made of mud and straw. She works hard from dawn to dusk for her family’s economic and social condition.

Mansur grows chilies on their own plot of land and sells them to the local market. But the earnings from their business are too low. They spend their daily life very poorly. Due to lack of capital, they could not grow their business and earn much profit from the business.

Haseena came to know about Kiva’s partner, BJS, and applied for a loan to buy more good quality chili seeds and good fertilizers for growing chilies in a large scale in her own field, and sell those chilies to the market. Nowadays, there is huge demand for chilies in the market.

She understood that more production of chilies will help them to gain profit from her business. Her contribution should make her business smooth; she will be able to give a good future to her children, also including their education. She desires to build a new concrete house for her family where they can stay in a better living condition. So, she wants a loan of 15,000 INR to fulfill her dreams.

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
  • 6
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 61.6
    India Rupees (INR) = $1 USD