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Maa Dakhinakali Group
In this Group: Ramita, Sari, Mamata, Rukuni, Laxmipriya, Hemangini, Bhagyabati, Padmabati, Nurabati, Lobha, Padma, Sobhabati
Ramita, aged about 24 years, is the leader of a group of twelve members. She hails from Teresinga village of Kalahandi district of Odisha, India. She is living with her husband and a daughter of three years of age. The member standing second from the left in the front line and showing her long hair is Ramita.

She has been managing a grocery shop in her locality for the last seven years. Her family income per month is Rs. 6,000 only. It is not at all sufficient to lead a better life.

Ramita, along with eleven members of her locality, formed a self-help group and applied for a loan from Mahashakti for the development of their businesses. It is their first-cycle loan.

From the loan, Ramita will purchase rice, wheat, pulses, washing powder, soaps, tea, sugar, onions, potatoes, and other grocery items to increase the stock for the growth of the business.

She has a dream to be a wholesaler of grocery items at her locality.

The other eleven members of the group are Sari, Mamata, Rukuni, Laxmipriya, Hemangini, Bhagyabati, Padmabati, Nurabati, Lobha, Sobhabati and Padma. They also want loans for the development of their existing businesses, such as grocery shop, goatery, poultry, dry food, salon, puffed rice, seasonal business and vegetable vending.

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
  • 118
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 62.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Dakhinakali Group's $2,325 loan helped a member to purchase rice, wheat, pulses, washing powder, soaps, tea, sugar, onions, potatoes, and other grocery items.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 7, 2014
Feb 12, 2014
Currency Exchange Loss: