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Shampa, 24 years old, is a young and energetic housewife from the village of Raypara in Jalpaiguri district. She lives with her husband Chandan and two children (one son and one daughter). One of her children is a student in grade one and the other is below school-going age. She received an education up to grade seven and her husband studied until grade nine.

Shampa's husband is associated with agricultural activities. He has been involved in this activity for five years. He mainly cultivates rice on his own farmland. He has a huge experience in paddy rice cultivation. Shampa helps her husband in many ways with the agricultural activities. Now he wants to boost his agricultural business to strengthen his family's financial situation.

Shampa heard that Kiva’s partner, BJS, gives business loans to rural women and she has taken a loan from them. She wants to use the loan to purchase agricultural supplies such as seeds, fertilizers and pesticides. Rice is the staple food of the people in her locality. So Shampa hopes it will be a profitable business. Her ambition is to enlarge the business. She is struggling hard to do this and hopes it will provide a good income and improve their family's financial standard.

She aspires to construct a concrete-made house and she gives her hearty thanks to her lenders (BJS and Kiva).

Additional Information

More information about this loan

This loan targets women in the financially underserved parts of India. With a largely rural population, the Jalpaiguri, Alipurduar, and Cooch Behar districts in the state of West Bengal are severely lacking in infrastructure and are three of the poorest districts in Eastern India.  This loan enables female entrepreneurs to maintain their current businesses in an area that is under-developed and poorly served by financial institutions

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 >

About Belghoria Janakalyan Samity

Belghoria Janakalyan Samity (BJS) is a non-profit organization located in India that focuses on poverty alleviation through women’s empowerment. The organization is remarkable in its commitment to the holistic development of some of the poorest districts of West Bengal and goes further than most of its competitors in offering vital access to social services like child schooling, medical services and financial literacy training in addition to credit. Kiva lenders’ funds will be used to create new loans for clients, expand the reach of the organization into more rural areas, and deepen the scope of BJS’s non-financial services that provide key support to the surrounding communities.

About India

  • $4,000
    Average annual income
  • 87
    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 loan of $175 helped Shampa to purchase seeds, fertilizers and pesticides for paddy rice cultivation.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 7, 2014
Jun 1, 2014
Currency Exchange Loss: