A loan of $175 helped to purchase a dairy cow to start a milk and milk products business.


Guljan's story

Guljan is a woman of 50 years. She is married, a housewife and uneducated. She can only sign her name. She is married to Majidul, 55 years old, who is a green grocer by profession. He is uneducated. Together they are raising one daughter who is pursuing her bachelor's degree. They live in their own house in the small village of Dhupguri in the Jalpaiguri district.

Guljan's husband grows green vegetables on his land and sells in the local market. His small business is the only source of income and it is too low to give enough financial sustenance to the family. He works hard but due to lack of capital, he is unable to grow more vegetables on his land. He cannot cover all the needs of the family.

Guljan has decided to help her husband to start a dairy business by taking a loan from Kiva’s partner, BJS. She will use the loan to purchase a dairy cow and start a milk and milk products (butter, milk, paneer, cheese etc.) business. Guljan chose BJS for this loan because they help small-scale farmers to grow economically. This loan will help to purchase a dairy cow, which will lead to milk production and to start dairy products business and thus increase their income.

This will ensure that her daughter receives a good education and will improve her family's living standards.

Her full thanks go to BJS and Kiva.



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Loan details