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Sangita is a very energetic and optimistic woman, who does not want to give up. She lives in a small town, Dhupguri, in the district of Jalpaiguri. She is 30 years old and studied up to grade 9. She is married to Ashutosh, who is 33 years old and has a secondary education. They are raising their only son, who is too young to go to school.

Sangita and her husband together are associated in a clothing business. She had been selling different clothes for the last five years. Her husband purchases ladies’ garments (sarees, frocks, etc.) from wholesale markets, and Sangita sells door to door in her neighborhood and villages near her own.

But nowadays it is hardly possible for them to maintain the household expenses with their small income, as the prices of everything are growing day by day. She wants to expand the business by purchasing more clothing.

Sangita heard about Kiva’s partner, BJS, who give loans to needy rural women. She has taken a loan to purchase varieties of ladies garments to meet customers’ orders and to drastically increase her sales.

With the additional income from her business, she hopes to improve her family's quality of life. Sangita wishes her business would keep growing so that she can support her family by overcoming the financial hurdles.

She is very much grateful to her lenders (BJS and Kiva) for giving her the loan.

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
  • 7
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD