A loan of $250 helped to purchase more clothing to sell.

Chhaya's story

Chhaya is a 49-year-old woman. She is the mother of two children (one son and one daughter). She is married to Monoronjon, who is 57 years old. Chhaya completed her primary education and her husband studied up to class X (Grade 10). Their daughter is receiving an education and reads in class X (Grade 10). Their son is engaged in a small business. They live in the small town of Dhupguri in the district of Jalpaiguri in their own kachha house (mud and straw made).

Chhaya's husband established a clothing business five years ago. She began to assist her husband, after managing all the household work, in settling their domestic bills. They purchase clothes from the wholesale market and sell them at retail. Their main customers are their neighbors, including both men and women. Now, it has become difficult to maintain their family with so little income due to the increasing prices of essential commodities. So they want to expand their business.

Chhaya applied for a loan from Kiva’s partner BJS in order to buy more clothing (sarees, frocks, shirts, etc). Moreover, she wants to stock woolen garments for the upcoming winter season. She hopes that this loan will increase her profit margin.

She is thankful to both lenders (BJS and Kiva).

Loan details

Lenders and lending teams

Loan details