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Maa Santoshi Shg (B) Group
In this Group: Manju, Jayanti, Satyabhama, Sanju, Rita, Ranju, Renu, Prabhati, Khadali
The Maa Santoshi self help group is made up of nine very responsible women. They work in different activities that have allowed them to improve their households’ finances. They live in a small village of Nayagarh district of Odisha state, India. All the members of this group are involved in different livelihood activities like animal rearing, milk selling, vegetable selling, etc.

One of the members of this group is Manju who is the leader of the group, standing with raised hand. She is 23 years old and she is married. In her marriage, she has two children. Her husband works as a private employee. They live in their family-owned home.

Manju works as a private employee and on holidays she sells fruit and vegetables. The money she will get from this loan will be destined to buying fruit to grow her business. Her goal is to own a shop in a market in the city.

Additional Information

More information about this loan

This loan is designed for single mothers, widows and unmarried women, who are often excluded from Self-Help Groups in India. Many of these women, usually with families to support, do not have access to microfinance and often work as casual labor or domestic help. Self Help Groups are hesitant to accept them due to the social stigma attached to their status and very few microfinance organizations offer loans to individuals. By supporting this loan, you are enabling a poor woman in India to establish or grow her business.

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

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
  • 100
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 59.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Santoshi Shg (B) Group's $2,750 loan helped a member to buy fruit to grow her business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 30, 2014
May 17, 2014
Currency Exchange Loss: