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Purneswari is 25, married and lives with her husband and children. She is a rural woman from a small village, Raipara, in Dhupguri in the district of Jalpaiguri. She studied up to grade 7. Her husband Uttam, aged 38 years, is a farmer by profession. They have two school-going daughters who are in grade 6 and grade 9. They live there in their kachha house (straw, bamboo and mud-made).

Purneswari's husband has been working many years on their farmland, and he absorbed good faith, diligence and punctuality. By character, he is determined, hardworking and responsible. He is the main source of income for the family. But his income from this agribusiness is so scanty that it is hardly sufficient to cover all the necessities of their family. So, they have decided to start cultivation of beans on their farmland.

Purneswari is a very optimistic woman. She has come forward to help her husband. She has taken a loan from BJS to purchase bean seeds and good-quality fertilizers to start cultivation of beans. They are very much hopeful to earn an extra profit from this business, as it is a product that is in great demand in the market.

She plans to use the resulting income to build a concrete-made house and to give better education to her daughters. She wants to save money for the future.

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
  • 5
    View loans »
    India Loans Fundraising
  • $6,742,175
    Funds lent in using Kiva
  • 62.0
    India Rupees (INR) = $1 USD