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Maa Santoshi Group
In this Group: Sandhyarani, Jayanti, Panala, Rukuna
Sandhyarani is a 44-year-old lady who lives in a small town named Kolnara in the Rayagada district, Odisha, India. She is the leader of a four-member group. Her family comprises her husband and a son of about 24 years of age. The woman standing second from left with raised hand is Sandhyarani.

At present she is doing a milk business in her locality. She has a cow. Her husband is also supporting her in taking care of the cow and marketing the milk. She is a very active lady who wants some extra income with her own efforts. Her family income is about Rs.6,000 per month, which is not sufficient to maintain her family.

It is the first time the group will avail a loan from MSF. From the loan she will purchase a Jersey cow.

Of the other three members of the group, two, named Jayanti and Panala, want a loan for a milk business, and Rukuna wants a loan for a grocery shop.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

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
  • 114
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 62.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Santoshi Group's $650 loan helped a member to purchase a Jersey cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 9, 2014
Jan 24, 2014
Currency Exchange Loss: