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Sarodini, 25 years, is married and lives with her family in a small village, Baroghoria, in the district of Jalpaiguri. She is a mother of three lovely daughters at this tender age. Two of them are students and read in grade five and grade three; the third one is too young for school. Sarodini has studied until tenth grade. She has a desire to get ahead in life. She has been working in the fields and supports her husband Sunil in his agricultural activities in order to provide financial support for her family.

Sarodini's husband works as a farmer, mainly growing vegetables such as potatoes, beans and gourds, and fruits such as cucumbers. He is doing very well through the performance and the experience he has gained through the years. Now Sarodini and her husband have decided to cultivate paddy to earn more profits to strengthen the family economy.

So, Sarodini is asking for financial help from BJS (Kiva’s partner). She is grateful to her lenders because with their support, she will buy supplies such as natural fertilizers and seeds for her crops. In this way, she will get a better harvest and her income will improve, thus improving her quality of life. Her goal is to expand her crops and to become a successful entrepreneur.

She aspires to save money to purchase more land in the future.

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
  • 2
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 61.0
    India Rupees (INR) = $1 USD