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Suniti, age 46, is from a small town, Maynaguri, in the district of Jalpaiguri. She is married and has a son and a daughter. Her husband is engaged in agriculture. Suniti and her husband are illiterate and only know how to sign their names, but they are providing education to her daughter. They live in their own kachha house (straw, bamboo and mud-made).

Her husband's earnings are hardly enough to cover food and household costs for the family of four. In order to generate income, her son also works as an electrician. Due to poverty, he could not get the chance to receive education, so Suniti plans to grow eggplant. She applied for the loan from BJS (Kiva’s partner). With the loan amount, she will purchase eggplant seeds and fertilizers and start cultivating eggplant, which is in great demand in the local market.

Suniti hopes her initiative will be lucrative, and she will be able to increase the family funds. She will be able to give her children better education and a better future, and at the same time, meet the family’s expenses.

She is thankful to BJS as well as Kiva for the loan.

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
  • 6
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 62.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Suniti to purchase eggplant seeds and fertilizers to start a cultivation business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 21, 2014
Mar 1, 2014
Currency Exchange Loss: