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Jaibhim Mahila Sangh Group
In this Group: Souvarna Rudrappa , Bharathi Ramu , Sharanavva Gundu , Ramukka Ballappa , Kamalavva Dundappa
The self-help group (SHG) “Jaibhim Mahila Sangh” is made up of five diligent women who are starting their first loan cycle with Kiva. All the women are former Devadasis.

Kamalavva (the lady with her hand raised in the picture) is the featured borrower of this group. The members of this group need loans for goat rearing, cloth business, house construction, and to improve cultivable land. They also are daily-wage workers in agriculture fields.

The Devadasi system is an ancient tradition in which a young girl is married or ‘dedicated’ to a deity and would perform religious rituals. The realities of a Devadasi are extremely challenging, since the young women are not able to complete their education, learn employable skills, or otherwise provide for themselves. The young women do not have a choice in this lifelong decision, which often leads to exploitation, poverty, and social exclusion.

This loan will benefit entrepreneurs such as Kamalavva, a 42-year-old woman living in Kohali village, Athani, Belgaum. She is an illiterate woman because of her Devadasi background. Kamalavva is a very hardworking woman. She has her own cultivable land; she cultivates the crops and sells them at a reasonable rate in the market, and she uses some grains and vegetables for her household. She is a single mother living with her three children, who are studying in school. Kamalavva is earning around INR 4,500 per month.

The loan Kamalavva is receiving now will be used to improve her cultivable land by renting a tractor. This will help her to increase her monthly income. She wants to use the additional profit for her children’s education and to change the standard of living of her family.

All the group members are against the Devadasi system because as being a Devadasi, they experienced a lot of distress in their lives. They want to eradicate this unwanted system.

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
  • 95
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 58.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jaibhim Mahila Sangh Group's $1,725 loan helped a member to rent a tractor.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 11, 2014
Jun 1, 2014
Currency Exchange Loss: