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Sushila lives in Maynaguri with her husband and three children. She is illiterate but can sign her name. Her children are all students in different classes. Amongst them, her daughter Sushama is a good student and also very sincere about her studies. She is in Class 7 (grade 7). Both of her parents are struggling to run the family smoothly but they have failed because her father, being a farmer, has an inconsistent income. Her father is unable to cover all of their educational expenses.

Now Sushila heard about BJS (Kiva’s Partner) and applied for a loan to cover educational expenses such as school fees, books, pens, uniform, private tuition fees, etc., of her daughter Sushama. Sushila knows that if she gives some support to Sushama then she will progress to a further board exam. Sushila dreams of her daughter’s higher education in future so that she can take on the responsibility one day for household matters. She feels fully sure that with this loan she can give total support to her dedicated daughter Sushama in her school education.

Sushila and Sushama (as in the photo) are very much obliged to Kiva and BJS for this financial support.

Additional Information

More information about this loan

This loan is part of BJS's education program, designed to finance school tuition and other expenses for students whose families have low incomes. Funds can be used for partial or complete payment of school expenses. By supporting this loan, you're enabling access to education for students with limited options.

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