A loan of $250 helped to purchase a dairy cow to start a milk supply and dairy products business.

Ranju's story

Ranju is a woman of 30 years. She is married, a housewife, and uneducated (can only sign her name). She is married to Subhas, age 38, who is a green grocer by profession, and he is also uneducated. Together they are raising three children (sons), two of whom are students and read in grade 6 and grade 1. They live in their own "kachha" house (mud-, straw- and bamboo-made) in the small village of East Magurmari in Dhupguri in the district of Jalpaiguri.

Ranju's husband grows green vegetables on his land and sells in the local market. His small business is their only source of income, which is too low to give enough financial sustenance to the family. He works hard but, due to lack of capital, he is unable to grow more vegetables on his land. So, he cannot cover all the needs of the family.

Ranju has decided to help her husband start another business by taking out a loan from Belghoria Janakalyan Samity (BJS). She will use the loan to purchase a dairy cow and start a milk and milk products (butter, milk, paneer, cheese, etc.) business. Ranju chose BJS for this loan because they help small-scale farmers to grow economically. This loan will help to purchase a dairy cow, which will lead milk production, and to start a dairy products business. They will thus increase their income. This will ensure that the children receive a good education and also improve the family's living standards.

Her full thanks go to BJS and Kiva.

Loan details

Lenders and lending teams

Loan details