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Laxmi is a housewife in the small town of Dhupguriin in Jalpaiguri district. She lives with her husband and three children in a kaccha (made of stone & straw) house. Her husband is involved in farming and cultivates many kinds of vegetables to sell in the village market.

Neither of them is very educated but their children are still studying in a village school in the secondary level. Due to their low income, Laxmi is unable to manage her family's expenses and her children’s educational expenses. Her Husband struggles hard all day but fails to earn sufficient income for the family. So Laxmi requested a loan from BJS (Kiva’s Partner) to purchase seeds, fertilizers and pesticides to cultivate mustard in the same field to enhance the family's income. She is very ambitious and hopeful that she will succeed in her goal for more income. She dreams that she will build a grocery shop with her business profit in the future.

She is thankful to BJS and Kiva for making her self-sufficient.

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
  • 79
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 62.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $150 helped Laxmi to purchase seeds, fertilizers and pesticides to cultivate mustard.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 13, 2014
Mar 6, 2014
Currency Exchange Loss: