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Chakratirtha Dms Group
In this Group: Bandana, Nayana, Manjulata, Durgabati, Kabita, Rasmita, Tuni, Bhabeni, Manjulata, Sashi, Kamalini
The "Chakratirtha DMS," a newly formed group, is made up of women who want to bring change to their daily lives through the program. They all live in the same village and share values of solidarity and working together. They mainly run small businesses and do some crop cultivation.

Bandana is the lady in the picture who is seated with her hand raised, the featured borrower of the group. She is 34 years old and she has two children. She cultivates and sells paddy rice and has perfectly mastered this business from having been doing it for more than seven years. Her father helps her in this business.

With her new loan, she plans to buy seeds and fertilizers for her paddy farming. With her profits, she plans to increase her savings so as to better establish her business. Other members of this group are engaged in different businesses like milk selling, fish selling, vegetable selling, etc.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 7
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 61.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Chakratirtha Dms Group's $4,500 loan helped a member to purchase seeds and fertilizers for her paddy farming.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 9, 2014
Mar 25, 2014
Currency Exchange Loss: