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Rupali is a very young and energetic entrepreneur from Maynaguri. She is only 23 years old and married with two lovely daughters. Her daughters are too young for school. She attended school until the seventh standard and then got married. She lives in the countryside far from a major city with her husband and daughters. They have a mud, bamboo and straw made house that lacks the basic facilities like water, electricity etc.

Rupali's husband Biplab, 24 years old, works on his farmland and grows seasonable vegetables. But his income is so scant that it is hardly sufficient for their family's basic needs. So for the last five years, Rupali has been engaged in a cattle breeding business. She has extensive experience in the field of animal husbandry. Her father used to be involved in the same activity. Initially, she started the business with one dairy cow and sold the cow milk in her neighborhood, whose residents are her main clients.

Now, with her own efforts, she has established her own business. Now she wants to grow her business. For this reason, she has turned to BJS and asked for a loan from them. She plans to buy one more dairy cow to improve her milk supply business. This will help her to increase her sales, which will ultimately generate more income for her. With the profit, she wants to reach her goal of providing a better education to her daughters.

She greatly appreciates the financial help of 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
  • 2
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD