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Mina is 46 years old. She is married, a housewife and a mother of four children (one son and three daughters). All her daughters are married. Their only son works as a laborer in a factory. Mina attended school until grade eight but could not continue further studies due to poverty. She lives with her son and husband Nikhil, 50 years old, in the small village of Khagrabari in Jalpaiguri district.

Mina's husband is a street hawker. He sells daily necessities like tubs, mugs, pitchers, cups etc. and earns for the household. As he has grown old and feeble, it is a very tedious job for him. As a result, his income can barely cover his family's household.

Mina is responsible, goal-driven and considerate. She wants to do some income-generating work on her own. She wants to start a milk supply business with the purchase of one dairy cow. She expects to get earnings by selling milk to her neighbors.

With this aim, she has asked for financial help from BJS to purchase a cow. She hopes the earnings from the business will bring financial sustenance for her family and give them a smooth life. She thanks 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
  • 102
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 58.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $275 helped Mina to purchase a dairy cow for her milk supply business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 8, 2014
Jun 1, 2014
Currency Exchange Loss: