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Laila is a woman of 40 years. She lives in Dhupguri with her husband and three children. She and her husband both have attended school up to grade 8. Her children are now studying in grade 10 and higher secondary level respectively.

Her husband is a farmer, farming different kinds of vegetables, crops, fruits, etc. to sell in the local market. They are from a humble family of scarce economic resources. Laila’s husband has been working with agriculture for many years. Due to their low income, Laila is unable to manage her family expenses properly. Her husband is struggling hard all day, but fails to earn according to the expectation.

So, Laila requested a loan from BJS (Kiva’s Partner) to purchase seeds, fertilizers and pesticides for cultivating maize in the same field to increase the family income. She is very much ambitious and hopeful that she will succeed in her target of fulfilling the villagers’ great demand for maize.

She hopes to upgrade her financial status with the profit from her business and dreams that she will be able to build a concrete house in the future for her family.

She is thankful to BJS and Kiva for the 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
  • 5
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 59.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $275 helped Laila to purchase seeds and fertilizers for cultivating maize on her own farmland.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 23, 2014
Jun 11, 2014
Currency Exchange Loss: