A loan of $250 helped to purchase necessary ingredients to start a bakery shop.


Lipika's story

Lipika, age 23, is from a small village, Magurmari, in Dhupguri in the district of Jalpaiguri. She is married and lives with her husband and two children (sons). She is a housewife and read up to grade 10. One of their sons is a student of grade 1; the other is below the school-going age. They have a concrete-made house. Lipika's husband, Partha, aged 30 years, is engaged in a small business. His income is not sufficient to cover all the expenses of her family. He is the only source of income for their family. Though a housewife, Lipika also helps her husband in his business, yet it is impossible for them to live life in a decent way. That’s why Lipika has decided to start a business of her own. She wants to start a bakery shop and wants to prepare breads, biscuits, etc. She needs some capital to start her business. Lipika has taken a loan from BJS to purchase necessary ingredients like flour, yeast, oil, cinnamon, sugar, baking powder and other necessary equipment to start her bakery. As it is a profitable business, she hopes it will give her greater profitability, as there are no other bakery shops in the locality. This will improve her family’s financial condition. She gives her thanks to BJS and Kiva for the loan.



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