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Shefali is married with two children (sons). She is 34 years old and went to school up to class IV (grade 4). She is married to Subrata, who is a 41-year-old blacksmith and attended school up to class VIII (grade 8). They are providing education to both of their sons, who read in class V (grade 5) and class II (grade 2) respectively. They reside in Domohoni, which is a small village in Maynaguri in the district of Jalpaiguri, in their own house.

Shefali's husband prepares different kinds of tools made of iron, such as hammers, nails, scythes, axes, sickles, knives, etc. He has a rented shop in their locality, where he works from dawn to dusk tirelessly and sells his tools to the local people and in the neighboring villages. Shefali helps her husband after managing her household work. Unfortunately, due to lack of economic resources, he cannot invest much money in his business. It has become difficult for them to manage the household expenses and the educational expenses of their children.

Shefali thought to help her husband by taking a loan from BJS to buy more iron to expand their business. They hope it will help them to earn extra profit, which will give them economic stability for maintaining a decent lifestyle and provide better education to their children.

Shefali is grateful to BJS as well as Kiva, who help people with low income to have decent jobs.

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
  • 8
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 61.6
    India Rupees (INR) = $1 USD