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Basabi is a very young lady of only 26 years. She is married to Subhash. They have three children (one son and two daughters). Basabi is a homemaker and is illiterate. She can only sign her name. Her husband has a secondary education. Two of their children are students in different grades in primary school; the third one is too young for school. They have a small kachha house (made of straw, mud and bamboo) in the small town of Dhupguri in the district of Jalpaiguri.

Basabi's husband is a farmer and earns a living by farming green vegetables like chili, cabbages and different vegetables in different seasons on their plot of land. She and her husband work hard and always grow high quality products that they sell in the local market to make their livelihood. She needs to expand her existing business to give additional financial support to her family. She thought of cultivating paddy on their land, which is a vegetable that is in great demand in West Bengal and used as the staple food.

Basabi heard that BJS gives loans to rural women for their businesses. She has taken a loan from them to purchase high quality paddy seeds and fertilizers to start cultivation.

Her dream is to improve the family's finances and to secure her children's career with the profit generated from this business.

She also aspires to purchase more land in the future to grow their business.

She is very grateful to BJS and Kiva for funding her loan.

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
  • 6
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD