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Asma is only 27 years old, a very hardworking and enthusiastic woman. She lives in a remote region in the district Jalpaiguri with her husband and three children (two sons and one daughter). She studied up to grade 7 but did not get an opportunity for further studies. Her children are students who are in grade 4, 3 and 1. Her husband Jamiruddin, aged 31 years, works in a stationery shop. They have a kachha house (made of straw, mud and bamboo). She has a primary education and her husband is uneducated; can sign his name only.

Her husband's income is hardly enough to maintain the family expenses. Thus Asma is engaged in animal husbandry as the secondary source of income. She has a dairy cow; she sells the milk to her neighbors who are her main customers. In order to give her family financial stability, she wants to expand her business. She wants to purchase another cow so that she can sell more milk and satisfy her customers as well as earn more profit.

To fulfill her dream, she has taken a loan from Kiva’s partner, BJS to purchase one more cow. She hopes a good future for her business and which will improve her family's financial situation. She plans to use profits from the loan in further increasing the number of livestock and to save toward building a cattle shed.

She is grateful to both Kiva and BJS for this financial support.

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
  • 117
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 60.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Asma to purchase a dairy cow for milk sales business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 8, 2014
May 1, 2014
Currency Exchange Loss: