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Kalpana is a very young, hardworking and energetic woman. She is 25 years old, married and blessed with two children (one son and one daughter). With her husband and children, she lives in the small village of Baroghoria in Dhupguri in the district of Jalpaiguri. Kalpana studied up to grade six. Her husband Khokon, 27, who is illiterate, is a farmer. One of their children goes to school and reads in grade one and the other is too young for school.

Kalpana has been involved in a milk supply business for the last five years. She sells the milk to her neighbors. This business adds additional financial help to her family to cover the basic needs. Now she wants to purchase one more cow because the demand for milk is high and she is not able to supply the growing needs of her customers.

She has applied for a loan from BJS to purchase a cow and fodder. She wants to extend her milk supply business and she hopes that this business will help her to support her children's education. She thinks that this loan can help to increase her income, which will help her to build a concrete-made house.

She is grateful to both Kiva and BJS.

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
  • 5
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD