A loan of $4,050 helped a member to buy a buffalo.


Sree Veerbhadreshiwar Mahila Swasahaya Sangh Group's story

Nirmala, aged about 33 years, is the group leader of a fourteen-member group from Chinchali village, situated in the Belgaum district of Karnataka state in India. Her family is comprised of five members: her husband, her daughter, and her parents-in-law. Her husband does agricultural activities in their own two-acre cultivable land. The lady who is standing with her raised hand is Nirmala. She has completed her schooling till 10th grade.

Nirmala has a buffalo-rearing farm; she has 10 years' experience in this business, and she also works in their agricultural fields on daily wages. She is a very active lady who wants some extra income out of her own efforts. At present, her family income is INR 8,000 per month, which is barely enough to maintain the family.

To improve her living conditions, Nirmala wants to access a first loan from “Kiva”. With the loan amount, she will purchase another buffalo to rear. She dreams of converting her small farm into a much big farm in the future.

Nirmala, along with other fourteen members of her village, formed a Self-Help Group (SHG) group called “Sree Veerbhadreshiwar Mahila SwaSahaya Sangh” and planned to take a loan from Kiva. The other members will be using the loan for different purposes like animal husbandry, auto purchase, education and petty shopkeeping.

In this group: Kalavathi Appasab , Nirmala Mahadev Koliguda , Mahadevi Babu Koliguda, Nirmala Parushram , Savitri Parushram , Akkatai Kishor , Gouravva Yellappa, Ujjavala Dattu , Savanka Anappa , Kamala Janadev Koliguda, Mahadevi Bharath , Shashikala Maruthi, Mahananda Parushram , Lalitha Dusyanth, Rajshree Santosh *
*not pictured



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