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Begam is a 30-year-old housewife. She is from Maynaguri. She has attended school up to eighth grade and wanted to carry on, but did not have the support of her parents as they were really badly off economically. She grew up and married Tariful. Her husband is a farmer and she is a housewife, and they have three children (one son and two daughters). Two of the children go to school and one is too small for school.

The full family is dependent on her husband's agribusiness financially. He has worked in agriculture since he was very young. He works all day long on his farmland and grows vegetables and sells them in the local market to earn for the family.

Now Begam wants to expand her agribusiness to be able to effectively meet the growing needs of her family. She and her husband have decided to cultivate jute, which is a much demanded crop in their locality. A loan will enable her to buy agricultural inputs like seeds, fertilizers and chemicals for plants and so she is asking for a loan for that purpose from BJS (Kiva's partner).

She is very happy with this loan, which she knows can change their income level and standard of living. Her goals are to admit her children to renowned schools for better education.

Her full thanks go to 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
  • 73
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 60.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Begam to purchase agricultural inputs for farming jute.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 18, 2014
Aug 9, 2014
Currency Exchange Loss: