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Maa Tarini Shg (G) Group
In this Group: Laxmi, Saras, Mamata, Seeta, Nalinee, Gita, Sarajini, Sulochana, Basanti, Bangali, Jhunu
"Maa Tarini SHG" is a self help group of eleven members from a small village of Odisha, India with Laxmi being selected to act as the Kiva representative. Laxmi is standing sixth from right in pink sari with her hand raised. The credit consists of the necessary materials to plant vegetables, flowers, maize and paddy (rice).

Laxmi is a reliable member of the group. She is married and has two children. Laxmi is 43 years old and has been working as a farmer for the last 12 years to support her family. In addition to this, Laxmi is very active in her group and is involved with a farming institute to learn new concepts of farming. She described her harvest last year as good. She hopes to continue working in this activity to grow more.

Working with this group and with People's Forum has improved Laxmi's life because she has more farm training and has been able to put aside money to feed her family. In the future, Laxmi hopes that her profits from 2014 can be used to send her children to a good school.

Laxmi will use her portion to cover the initial cost of purchasing seeds and fertilizer. People's Forum continues to provide training and support throughout the planting and harvesting season to ensure a good harvest and repayment. With support from People's Forum and the Kiva loan, these farmers will have a chance at a successful harvest, increased profits and improved lives.

Additional Information

More information about this loan

This loan is specifically designed for People's Forum's vulnerable clients, including family members of leprosy patients, people who are physically challenged and third gender individuals. By funding this loan, you are supporting low income individuals in India who are excluded for gender or health reasons. 

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 38
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Tarini Shg (G) Group's $5,375 loan helped a member to purchase fertilizer and hybrid seeds of maize, paddy (rice), vegetables and small flower plants.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 8, 2014
Jan 21, 2014
Currency Exchange Loss: