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Ajina is a 40-year-old woman. She lives with her husband, Aijul, in a small village, Baroghariya, in Dhupguri in the district of Jalpaiguri. She is blessed with a son who works as a mason in a foreign country. She is illiterate and only knows how to sign her name, as she could not study because of the financial crisis in her family.

Her husband is a farmer. Ajina's husband has an inconsistent income, so it is very difficult to run the family smoothly. Ajina has been working in animal husbandry for many years. She is a hardworking lady and has the courage to go ahead in life. She keeps faith on her own ability.

She has a milk cow and sells milk in her neighborhood. In order to expand her business, she wants to purchase a dairy cow, and for that she needs money. So, she applied for a loan from BJS (Kiva’s partner). She will utilize the loan for purchasing another dairy cow, and she hopes to improve her milk supply business. It will provide her a steady income to tide them over rough patches and allow them to save money for their son's future.

She wants to save money to purchase a tractor in the future for her husband’s farmland.

She is thankful 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
  • 100
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 59.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $275 helped Ajina to purchase a cow for her milk supply business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 30, 2014
Jun 18, 2014
Currency Exchange Loss: