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Maa Samaleswari Group
In this Group: Bhanumati, Sudaya, Bimale, Ratna, Susula, Taruni, Kalpalata, Jyosnamayi, Bimala, Shashikala, Sabitra, Urmila, Sabita, Budhabari, Harabati, Rukmani
In the year 2014, 16 active ladies from village Sinapali in the Nuapada district of Odisha, India formed a Self Help Group (SHG) named Maa Samaleswari with an objective of expanding their existing business by taking a loan from Mahashakti Foundation. Bhanumati, an energetic lady of 27 years sitting with her hand raised in the photo, is one of them. She is very active and always cheerful. Her family consists of her husband and four children who are continuing their studies.

For the last 10 years, Bhanumati is running a clothes-vending business with the help and support of her husband. She purchases ready-made garments and saris from a wholesale market 200 kilometers away. Her husband moves to different villages and weekly markets on a bike to sell saris and garments. She earns a monthly income of 8,000 INR from her existing business. But the present income is not sufficient to manage the business expenses, household expenses and educational expenses of her children. Bhanumati wants to raise her income by increasing the volume as well as the coverage area. So from the present loan of 16,000 INR, she is planning to purchase some quality fancy garments for selling. Bhanumati assumes that this will definitely generate a handsome extra income. Bhanumati has a dream of saving enough to purchase a bike for smooth movement and to give a better education to her children.

The other 15 members of the group are doing various businesses like cloth vending, general store, tailoring center and vegetable vending.

Additional Information

More information about this loan

Mahashakti Foundation focuses its work in some of the most underdeveloped districts in Odisha, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for women living in some of India's poorest and most remote areas.

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 Mahashakti Foundation

Mahashakti Foundation is a public charitable trust that provides microfinance and development services in the low-income state of Odisha. Operating in the poorest region of India, the organization strives to serve rural communities, tribal groups and others living on less than USD$1 a day. In addition to microcredit, it also provides micro-savings and micro-insurance products, as well as business development, health, water and sanitation, and food security services.

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
  • 4
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD