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Anamika is 34 years old and married. She attended school up to grade 9. Her husband, Ashis, is 43 years old and he also studied up to grade 9. They live in the small town of Dhupguri which is in the district of Jalpaiguri. She is a mother of one son.

Anamika works very hard to support her family. Her husband sells beetle nuts (a kind of mouth freshener used in rural areas). In their spare time both Anamika and her husband make clay idols of gods and goddesses.

Anamika has been engaged in this business for about ten years. She and her husband give hard labour to this business. Anamika's husband has good experience in the field. But this is a seasonal business and they earn very little from it; hardly enough for maintaining their family's household. If they can invest more, it will earn a good profit.

Anamika heard from her neighbours that BJS ( Kiva's partner) gives loans to rural women for business. So she has taken a loan from BJS to purchase necessary materials for their business such as clay, colors, brushes, cloths, etc.

Anamika is an enterprising woman and she hopes to be able to increase her business and as well as her earnings so that she can fulfill their customers’ needs and improve their living conditions.

She is grateful to 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
  • 7
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 60.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $225 helped Anamika to purchase necessary materials for their existing business of making clay idols of gods and goddesses.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 10, 2014
May 2, 2014
Currency Exchange Loss: