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Aparna hails from the village of Nandakumarpur in West Bengal. The village is the one of the most remote in the region but is rich in spirit and ideas of its women folk who want to be something in life. This change in attitude has been brought by the continuous efforts of Sabuj Sangha. The village also has good agricultural land and access to ponds and rivers.

Aparna, in her 30s is a mother of three daughters. Her daughters study in the eighth, seventh and fourth standard. She is successfully running a confectionery shop in the village, which is famous for chocolate flavored biscuits. She is supported in her endeavor by her husband and daughters. She wants to give her daughters the best education. At the same time, she wants to expand her confectionery business, as the income from the current business is too low to fulfill her dreams.

Aparna has been associated with the “Sarajibon” Self-Help Group (SHG) for the past 18 years.

Aparna will invest the loan to buy a new variety of materials for her cookies along with a new oven. This investment will increase the number of customers served and increase her earnings, which will help her secure a good future for her family.

Additional Information

More information about this loan

This loan was designed by MicroGraam to provide new means of income for borrowers in the Sunderbans region of West Bengal. The majority of the region is heavy dependent upon rain-fed agriculture, leading to extremely low income and food insecurity. MicroGraam’s partnership with the non-profit organization Sabuj Sangha has made this loan possible. Sabuj Sangha offers trainings and loans to allow borrowers dependent on rain-fed agriculture to purchase inputs and technology like bucket irrigation systems or to invest in local enterprises that provide an alternative to agriculture. By funding this loan, you are helping borrowers in India access business training and consulting services that allow them to make a livelihood transition without placing added pressure on dwindling finances.

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.

About India

  • $4,000
    Average annual income
  • 5
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 59.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $675 helped Aparna to buy a new variety of materials for her cookies and a new oven.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2014
May 19, 2014
Currency Exchange Loss: