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Sima is a 36-year-old woman from the remote village Khalpara in the district Jalpaiguri. She is married and a mother of two sweet daughters. She lives happily with her daughters and husband Sujit in their own house. Sima has a higher secondary education whereas her husband studied up to grade 10. Both could not go ahead with their studies due to their parents' poor economic situation. Their daughters are in grade 9 and grade 1.

Sima is a housewife but her husband owns a clothing shop in the market where he sells mainly ladies' garments like sarees (Indian traditional ladies' wear), frocks etc. This garment shop is the only source of income for his family, which is the reason he devotes all of his time to the garment shop. His shop is situated in the main market and there are a lot of competitors in the market. Due to this competition, it is very difficult to convince customers to pay a high price. He has to keep the latest designs, rates and delightful colors in the shop so that he can maintain the rate of sales. Now the major problem is that he does not have sufficient capital to buy clothing.

Sima has come forward to help her husband. She has applied for a loan from BJS (Kiva’s partner) to purchase clothing as he wants, so that her husband can cope with the market competition and generate sufficient income to look after his family well. Sima is ready enough to get involved in this business.

Sima wants to expand this business for their secure future.

She thanks Kiva and BJS for this 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
  • 89
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Sima to purchase clothing for her husband's existing business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 14, 2014
May 3, 2014
Currency Exchange Loss: