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Nanibala is a 29-year-old housewife from a small village, Baroghoria in Jalpaiguri district. She lives with her husband, Ganga, and two school-going kids (one son and one daughter) who are attending school (grade 6 and grade 3). Nanibala is illiterate, and her husband attended up to grade 7. They were deprived of further education due to the poor financial resources of their parents.

Nanibala's husband is a farmer by profession who has a plot of cultivable land. He works hard to come out ahead in vegetable cultivation. He has several years of experience working on his farm. His products are in much demand in the markets. Nanibala is an energetic and hardworking woman. She greatly supports her husband in his work after finishing her household jobs. The income of the family depends entirely on this agricultural activity, so she and her partner want to develop it by growing paddy. Being the main food for the people of her locality, rice is in great demand in the market. They hope it will be a lucrative business for them to strengthen their family's economy.

So Nanibala is requesting a loan from BJS (Kiva’s partner) to buy seeds, fertilizers, compost, herbicides, etc., to be able to have a better quality of harvest, which will earn good revenue. Through the loan, they can improve their business; thus, they will have a better quality of life without limitations.

Nanibala aspires to get ahead with this business for a steady income for the family. She thanks both 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
  • 100
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 61.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Nanibala to purchase farm supplies to grow paddy.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 8, 2014
Aug 23, 2014
Currency Exchange Loss: