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Chandana is a housewife from Petkathi village, Mayanaguri, Jaipaiguri District. She is 29 years old, married to Kamal, and has two children who are too small to go to school. She wants her children to lead a very successful life with a good education in near future. Chandana is not much educated, studied up to grade 4.

Her husband is a local van puller by trade. Chandana has her own incense-making business. She is engaged in this business to give additional financial support to her family. She is experienced in this field, that’s why she has chosen this business. After taking the loan from BJS (Kiva’s partner), she wants to improve her business and purchase raw materials. She gives a supply of incense to the local shops and her incense has a great demand in the locality. The strike of laborers creates a great difficulty in her business, but any difficulties cannot stop her to grow in her life as well as to flourish in her business.

As she is a very courageous lady, she gives support to her husband and family. Her self-confidence and enormous skill make her a good entrepreneur, which helps her to improve their economic and social condition. She is grateful to BJS and Kiva for this loan.

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
  • 4
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 60.4
    India Rupees (INR) = $1 USD