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Rashna is a 47-year-old energetic and purposeful woman from the remote village of Baroghoria in the district of Jalpaiguri. She is married and blessed with three children (one son and two daughters). Her husband Majijul, 57, is engaged in a small business. They are uneducated and can only sign their names. It is their bad luck that they did not get a chance for further education due to their parents' poor financial resources. But they dream of providing a higher education to all their children. Now they are in grades 11, 9, and 8, respectively. They live in their own kachha house (mud, bamboo and straw made).

Rashna’s husband is a small businessman. His income is not sufficient to maintain all the costs of such a big family. Rashna wants to bring more stability to her family. So she started an animal husbandry business five years back. She has only one milking cow and two goats. She sells the milk to her neighbors who are her main customers and somehow manages the household expenses. Now she wants to expand her business.

She heard that Kiva’s partner BJS gives loan to rural woman for business and she has taken a loan. She plans to purchase one more cow to increase her milk business.

The loan will help her to improve her standard of living and to provide better education and health to her children.

Her full thanks go to both the lenders (BJS and Kiva).

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
  • 41
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 60.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Rashna to purchase a dairy cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 4, 2014
May 1, 2014
Currency Exchange Loss: