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Maa Dhanalaxmi Shg Group
In this Group: Gitanjali, Sumitra, Santilata, Kalpana, Sulochana, Sulochana, Basanti, Manju, Mamata, Jayanti, Tilotama
In 2014, 11 women from a village stepped out and formed a group called Maa Dhanalaxmi Self-Help Group in Odisha. They help each other and share their problems and solve the problems among themselves. They celebrate their festivals together in their village.

Gitanjali, leader of the group, has six goats. The lady standing with her raised hand is Gitanjali. She purchases the goat kids from the market and takes care of them. She provides vaccines and fodder to them when it is required. She sells them for meat to the local butcher shops when they are full grown. It takes eight to nine months for her to have them ready to sell.

Gitanjali goes out in the morning to leave the goats to graze in the fields and returns by noon. Then she cooks for her family. She resumes taking care of her goats by feeding them at home. Her husband assists her in selling and maintaining these goats. In this way she is earning to manage her cash flow, which is not sufficient to manage her daily needs.

Gitanjali wants to enlarge her business, so she wants to purchase 10 more goats. In this way she can earn a good amount after all expenditures in her business. She has requested this loan with her group so that they can earn more and they will control their families' cash flow.

Additional Information

More information about this loan

This loan is specifically designed for People's Forum's vulnerable clients, including family members of leprosy patients, people who are physically challenged and third gender individuals. By funding this loan, you are supporting low income individuals in India who are excluded for gender or health reasons. 

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
  • 88
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 60.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Maa Dhanalaxmi Shg Group's $2,750 loan helped a member to pay for purchasing 10 goats for her goat farm.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 3, 2014
Jul 18, 2014
Currency Exchange Loss: