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Bhagya Laxmi Mahila Swa Sahaya Sangh Group
In this Group: Mahananda Shivappa , Shantabai Maruthi , Sangeeta Goutam , Sunitha Suresh *, Bhagyashree Vidya Sagar , Ujavala Mahaveer, Rupa Santosh, Guljari Satappa, Sugila Chidanand , Chaya Ragunath, Mangal Mahadev, Sevanta Ashok, Shivalila Mahadev , Shanakka Keshavva, Kempavva Shanker , Mahadevi Yauraj, Mayakka Bharath, Laxmi Maipal , Kallavva Appasaheb
* not pictured
Ujavala is 43 years old and lives in Chinchali village, Raibag, Belgaum. She is an illiterate woman. She is married and has two children. Her son is studying in 11th grade, and her daughter got married. Her husband is a labourer in agriculture fields. They live in their own house, which was given by the government.

Ujavala (the lady with her hand raised in the picture) has 20 years experience in animal husbandry, in particular goat rearing. She purchases a 1 or 2-month-old goat kid, and she rears it following all the requirements (veterinarian support, food, etc.) When the goat becomes 1 or 1½ years old, she sells it at a fair or weekly market. If she can sell it during festivals, she will make a better profit. For extra cash, Ujavala also works in agriculture fields for daily wages.

The loan she is receiving now will be used to increase her capital for buying one more goat kid and raising it. This enables her to generate income so that she can support her family in securing a better life. She hopes to save enough for her son’s education and make him well settled. She wants to see empowerment in her community in education, as well as economically.

This is the first loan from Kiva for “Bhagya Laxmi Mahila SwaSahaya Sangh” Self-Help Group (SHG). Including Ujavala, there is a total of 19 members in this group. Ujavala leads this group; 12 members need loans for animal husbandry, 3 for petty shops, 1 for goat rearing, 1 for a cloth selling business and 1 for a cycle repair shop. They also are all daily-wage workers in agriculture fields.

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
  • 7
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 59.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Bhagya Laxmi Mahila Swa Sahaya Sangh Group's $4,800 loan helped a member to buy goats for rearing.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 11, 2014
May 19, 2014
Currency Exchange Loss: