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Nila Maa Shg Group
In this Group: Rina, Urmila, Jamuna, Kamala, Sumitra, Tula, Sarai, Jamuna, Jati, Mati, Kuni, Nila, Jasoda, Kaushalya
This group, called "Nila Maa Shg", consists of 14 ladies who live in a small village in the Koraput district of Odisha, India. The group has applied for a loan of 210,000 INR from People's Forum (Kiva's Partner). All the members of this group are involved in different livelihood activities like animal raising, vegetable selling, milk selling etc.

Rina (the lady seated in the middle), a 38-year-old married mother with one son, has been working as a vendor selling fish and other foods such as items made of milk. She started her business with a small amount of capital and would now like to increase her sales volume in order to increase her profit and raise her son well. She has requested a loan to purchase more fish and other food (milk). Rina hopes to expand her business to live comfortably with her family. She, along with her group members, is very excited and grateful to Kiva and its lenders across the world 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
  • 119
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 59.7
    India Rupees (INR) = $1 USD
A portion of Nila Maa Shg Group's $3,525 loan helped a member to purchase more fish and milk for her food business.
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 10, 2014
Aug 1, 2014
Currency Exchange Loss:
Aug 31, 2014