A loan of $200 helped to purchase potato seeds, fertilizers, urea, etc. for potato cultivation.


Kalpana's story

Kalpana is a 49-year-old housewife from a small village in Dhupguri. She lost her husband a few years back and now lives alone with her two children. She is illiterate and only knows how to sign her name, but very much willing to send her children to school. Unfortunately she is unable to send her children to school due to extreme poverty. She has to send her children to work to bear the family expenses. The children are the only wage-earners of her family, having engaged themselves in mason's work. Kalpana is a homemaker and it is next to impossible for her to fulfill the family’s basic needs with her children’s weekly income. She has her own land for farming, so she plans to take out a loan to start her new business of potato cultivation. She applied for a loan from BJS (Kiva’s partner) to purchase potato seeds, fertilizers, urea and more for farming potatoes in her own land. Kalpana, being enterprising and tenacious, decided to grow potatoes as potatoes are a year-round crop as well as a very popular vegetable for most of Indian dishes. Kalpana is confident that she can earn a good profit through her new business which will enable her to generate sufficient income to give financial support to her children. She hopes that she could be able to build a pakka (concrete) house with the profit from her potato business and can improve her financial conditions to run her family smoothly. It becomes possible for her to start the new potato business only because of BJS and Kiva, so she is highly obliged to the lenders for funding the loan.



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