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Sarsawathi Swasahaya Sangh - Mugalkhoda Group
In this Group: Shalavva , Chandravva*, Surekha*, Yasudha, Kasthuri, Mahadevi, Jijabai, Tayavva, Jijabai, Latha, Renuka, Lakkavva, Mangal
* not pictured
Shalavva, 53, lives in Mugalkhoda village in Raibag, Belgaum. She is a widow and mother of four children. Two of her daughters are married while the youngest daughter has discontinued her studies and takes care of the house. Her son is working as a mason. Shalavva lost her husband due to a severe heart attack five years back. Her son had to drop out of school after 5th grade. He was deprived of his childhood and was forced to engage in economic activity on a full-time basis to share his mother’s responsibilities.

Shalavva is daily wage worker in the agriculture fields and runs a goat-rearing farm in which she has around 20 years of experience. She usually purchases a one- or two-month-old kid and rears it until it is one year old. She then sells it at the time of village festivals or Bakrid, as there is always a good demand for goats. She earns around INR 9,000 per month.

Shalavva now wants to expand her farm and buy a few more goats for which she is seeking a loan of INR 5,000. She wants to help her son to start his own construction work. She is also saving some money for her youngest daughter’s marriage.

Shalavva (who is standing with her hand raised) is the featured borrower of Saraswati Swasahaya Sangh Self-Help Group (SHG). “Saraswati” means the goddess for education. The other 12 members also need loans for different purposes like animal husbandry, tailoring, a coconut business and a beef business. They all want to save enough for their children’s education and for their bright future.

Additional Information

More information about this loan

This loan was designed by MicroGraam to support alternative livelihoods for marginalized groups that still exist in India, specifically those that are a part of the Dalith (untouchable) and Devdasi castes. Despite being declared illegal, these systems are still prevalent in many rural parts of south India. Traditionally, girls put into the Devdasi system are 'married' to a god and are dedicated to serve this god for life. In reality, these young girls are often subjected to brutality and forced into prostitution. MicroGraam’s partnership with the non-profit organization Mashila Abhivrudhi Mattu Samrkshana Samsthe (MASS) has made this loan possible. By funding this loan, you will be supporting women in northern Karnataka who are currently or used to be a part of the Dalit or Devdasi castes as well as their children, who are often otherwise unable to access financial services due to social stigmas.

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 >
Additionally, this loan may be post-disbursed, in which case this borrower will only receive the loan after it has been 100% funded by Kiva lenders. Because it is difficult to predict when a loan will be fully funded, the disbursement date may have been estimated by the Field Partner and may be inaccurate by several days or weeks.

About MicroGraam

MicroGraam is a Bangalore-based, crowd-funding lending platform that aims to promote development and growth throughout India by providing underserved populations with access to formal loan capital.

In order to provide critical capital in remote areas of India, MicroGraam collaborates with various partners located across the country, applying a structure very similar to Kiva’s. The organizations currently provide clients -- most of whom are women -- with three types of loans: (1) agricultural loans, (2) educational loans, and (3) microenterprise loans.

Kiva lenders’ funds will enable MicroGraam to forge new partnerships with important social organizations, connecting more rural areas with critical access to capital.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 5
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 60.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sarsawathi Swasahaya Sangh - Mugalkhoda Group's $3,000 loan helped a member to buy goats.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2014
May 1, 2014
Currency Exchange Loss: