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Maa Jagat Janani Shg Group
In this Group: Muni, Rama, Padma, Pratima, Jamu, Radha, Dalu, Samari, Sani, Lakshmi, Brundabati, Bati, Padma, Ratani, Tula
Muni (shown in the photo standing with her hand raised) is a 21-year-old woman who is married and has no children yet. She lives in a small village in the Koraput district of Odisha, India. Muni produces and sells vegetables in the community where she lives. She learned this line of work from her parents who dedicated themselves to this trade for many years. Muni’s work enables her to generate the necessary income for sustaining her family. She says that she enjoys her work because it is honest labor and it helps her feel useful in her community. Muni has more than two years of experience in this trade. She decided to organize a group so that she and her fellow group members could help one another and improve their standard of living.

Muni will use her loan to buy supplies (such as fertilizer) and to pay for labor so that she can maintain her vegetable plants. She dreams of increasing her vegetable cultivation so that she can improve her income. She, along with her group members, is very thankful to Kiva and its lenders across the globe for this kind help and support.

Additional Information

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 People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About India

  • $4,000
    Average annual income
  • 106
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 59.7
    India Rupees (INR) = $1 USD
A portion of Maa Jagat Janani Shg Group's $3,775 loan helped a member to purchase supplies and pay labor charges for her cropland.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 10, 2014
Jul 8, 2014
Currency Exchange Loss:
Aug 7, 2014