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Anna is a 45-year-old housewife from Maynaguri. Her family consists of her husband, Binod, and two grown-up sons. They live in a small village, Tekatuli. Both Anna and her husband are illiterate and can only sign their names. Their sons are deprived of education due to their poverty. Now they work as laborers on daily wages.

Anna's husband is engaged in a small business of supplying food items. He buys different snack items from wholesale markets and supplies local shops. He and his sons have no consistent income. So it is hardly possible for them to bear all the household costs of a family of four members.

Now, Anna wants to start a business selling puffed rice to help the family financially. It is a very common and popular snack in India. It is made by heating sand in a pot and then throwing grains of rice into the heated sand. The rice puffs up and is separated from the sand with a strainer. Puffed rice is used on a wide variety of secular and religious occasions or even just to munch plain.

Anna has taken out a loan from Kiva's partner Belghoria Janakalyan Samity (BJS) to purchase required ingredients for her puffed rice business. She hopes it will enable her to fulfill the demand of the local market, and she will earn more profit through this business to cope with the growing expenses of her family. She has an aspiration to enlarge her business in order to strengthen the family economy and have a secure future for her family.

Anna thanks BJS and Kiva for their support.

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
  • 2
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD