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Namita, who is 47 years of age, is a very hardworking entrepreneur who practices livestock farming. She is from Maynaguri, which is a small town in the district of Jalpaiguri. Namita is married and has three adorable sons that she really adores so much and will do anything to protect them and secure their future.

Cattle farming has always been one of the most enjoyable activities in Namita's life, and she has been doing farming for a few years. Through profits from cattle farming, she has managed to take care of her family. She has a dairy cow, and she supplies milk to her locality. She could not attend to a high grade in school, as her parents could not afford it. Her husband, Tapan, aged 55 years, is a car driver by profession. As he does not have any fixed income, Namita is now the main breadwinner for the family.

Their area has high demand for milk and milk products, so being an enterprising woman, Namita wants to take advantage of this ready market and start a milk products business (such as curds, butter and cheese); that is why she is kindly requesting a loan from Kiva’s partner BJS to buy a dairy cow.

Through the loan, Namita is going to deliver the promise of elevating the quality of life, and also, she is going to secure the future of her children by providing them with a better education.

Namita's plan is to accumulate more profits and be able to purchase a car with them.

She is highly obliged to her lenders.

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
  • 109
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 60.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Namita to purchase a dairy cow.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 16, 2014
Aug 9, 2014
Currency Exchange Loss: