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Jayanti is from the small village of Baroghoria in Dhupguri in the district of Jalpaiguri. She is only 27 years old, illiterate and can only sign her name. She lives with her husband Mohon and three children (one son and two daughters) in their own kachha house (mud, bamboo and straw made). Her husband is 38 years old, uneducated and a farmer by profession. Two of their children are going to school and read in grade 9 and grade 10. The third one is below the school-going age.

Jayanti's husband is in agriculture, which he learned from his parents. He is extensively engaged in cultivating potatoes and beans. He works there all day long and sells his produce in the local market. By doing this agribusiness, he somehow manages his household expenses. As it is not possible for him to maintain all the costs, Jayanti does animal husbandry in order to help her husband. She has one cow and two goats. She wants to expand the business in order to generate more profit to give the family more financial sustenance.

Jayanti applied for a loan from BJS (Kiva's partner) to purchase a milk cow. She is a very hardworking woman. She plans to sell more milk at a good price. She will also increase her daily income with the help of the milk cow, which will help her to educate her children properly and give a decent lifestyle to her family.

She hopes in the future to purchase more cows with the profit generated from her business.

She gives her thanks to BJS and Kiva.

Additional Information

More information about this loan

This loan targets women in the financially underserved parts of India. With a largely rural population, the Jalpaiguri, Alipurduar, and Cooch Behar districts in the state of West Bengal are severely lacking in infrastructure and are three of the poorest districts in Eastern India.  This loan enables female entrepreneurs to maintain their current businesses in an area that is under-developed and poorly served by financial institutions

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 Belghoria Janakalyan Samity

Belghoria Janakalyan Samity (BJS) is a non-profit organization located in India that focuses on poverty alleviation through women’s empowerment. The organization is remarkable in its commitment to the holistic development of some of the poorest districts of West Bengal and goes further than most of its competitors in offering vital access to social services like child schooling, medical services and financial literacy training in addition to credit. Kiva lenders’ funds will be used to create new loans for clients, expand the reach of the organization into more rural areas, and deepen the scope of BJS’s non-financial services that provide key support to the surrounding communities.

About India

  • $4,000
    Average annual income
  • 0
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 62.3
    India Rupees (INR) = $1 USD