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Aleya is married to Sahajahan. She is only 25 years old and blessed with one daughter. Her husband is a 25-year-old farmer. Aleya received education up to grade 8, whereas her husband studied up to grade 7. Their only daughter is a child and below the school-going age. They live in Dhupguri in the district Jalpaiguri in their own kachha house (made of straw, mud and bamboo).

Aleya's husband is an experienced farmer. He has been doing agricultural activities for a long time. He grows different seasonal vegetables which he sells in the local market. He is the only earning member for the family. Aleya helps her husband in his work, after managing her household work. But his income is so low that he can not afford a living based on that alone.

To continue running his agribusiness in a sustainable way, they have decided to cultivate potatoes on their farmland. But they need capital, which they do not have. Aleya wants to help her husband. She heard that BJS gives loans to rural women to start off business. So she has applied for a loan from them to purchase potato seeds and fertilizers to start cultivation. The product has got good demand in the market, so they think it will be a profitable business.

Aleya hopes that that additional income will help to give a decent lifestyle to the family, give good education to her daughter and upgrade their house to one made of concrete.

Aleya and her husband will be thankful to all the lenders (BJS and Kiva) for helping them to maintain the agribusiness.

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
  • 2
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 62.3
    India Rupees (INR) = $1 USD