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Sree Veerbhadreshiwar Mahila Swasahaya Sangh Group
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
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.

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
  • 4
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 59.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sree Veerbhadreshiwar Mahila Swasahaya Sangh Group's $4,050 loan helped a member to buy a buffalo.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 11, 2014
May 19, 2014
Currency Exchange Loss: