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Sanjima is only 24 years old and lives in a remote village of Kathapara in the district of Jalpaiguri. She has an elementary school education and she attended school until grade seven. She is married and a housewife who is blessed with two little children (one son and one daughter). Her husband Maijul Islam is a 30-year-old farmer. Their children are receiving an education and are in grade one.

Sanjima's husband is the only breadwinner for the family. He is an experienced farmer who has been cultivating his farmland for the last seven years, growing vegetables. He grows mainly beans, chili, and gourds and sells the products in the local markets. This industrious man is fully dedicated to his agribusiness for raising his family well. But his income is too scant for the family's well being. So, Sanjima and her husband have decided to grow some other crop that is profitable and has much market demand and they have chosen to grow cucumbers.

In need of additional working capital, Sanjima has applied for a loan from BJS (Kiva's partner). She wants to purchase farm supplies such as seeds, fertilizers etc. She hopes that this business will provide her family with additional profit for covering the daily needs of her family.

She wants to keep aside money from her profit for her children's education.

She is very much thankful to BJS and Kiva for this loan.

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
  • 92
    View loans »
    India Loans Fundraising
  • $6,119,375
    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 Sanjima to purchase agricultural supplies like seeds and fertilizers for cultivating cucumber.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 8, 2014
Jun 1, 2014
Currency Exchange Loss: