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Kabita is a 37-year-old woman. She lives with her husband, Anil, and four children in her kaccha house (made of straw and mud) in the village of Magurmari at Dhupguri. She and her 40-year-old husband are illiterate. They can only sign their name. Her children attend school in class ix (grade 9) and iii (grade 3). One of them does not go to school.

Kabita is a housewife and her husband is a van driver. Throughout the day, he drives a van but his income is too low to meet the family’s daily needs. Kabita is a hardworking lady. She grows potatoes on her own plot of land to support her husband financially. Together, they cannot cover their home expenses, educational expenses and the family’s basic necessities. Kabita has heard about BJS and she applied for a loan to buy potato seeds and fertilizers to expand her potato business. She will farm more potatoes and sell them in the village market, which will help her to acquire a large amount of profit. She will be able to make her family's living conditions better than before and give her children a better future. She is thankful for 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
  • 1
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 61.2
    India Rupees (INR) = $1 USD