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Jun 21, 2016 12:17 EDT

India: A loan of $375 helps Pratima to purchase tires and bear the repair cost for a Toto rickshaw for her husband’s transportation business.

iCrowdNewswire - Jun 21, 2016




Falakata, India / Transportation

A loan of $375 helps Pratima to purchase tires and bear the repair cost for a Toto rickshaw for her husband’s transportation business.



Borrower image




Pratima’s story

Pratima is a 33-year-old woman who lives in the village named Dakshin Parengerpar in Falakata, West Bengal. She is married to Subhash and blessed with two children (one son and a daughter). Her daughter is studying in grade nine and her son is in grade 10. Pratima is illiterate and can sign only their names.

Pratima is a homemaker. Her husband has been running a Toto rickshaw and provides transportation services to his local area to meet the family’s expenses. A Toto rickshaw is a battery-operated rickshaw used for transportation service; it is widely used in the rural areas of West Bengal.

But now her husband’s Toto rickshaw is damaged and requires maintenance to keep it in its functional routine. For the past few days, it has not been working properly and the tire has been punctured, so he has not been able to generate any income. He wants to repair it as soon as possible. However due to a lack of money, he finds it difficult to cover the cost of repairing the Toto rickshaw.

Therefore, as a member of BJS, Pratima decided to help her husband and requested a loan from Kiva’s partner, BJS, to purchase good quality tires and cover the cost of repairing his Toto rickshaw. She also wants to use the loan to buy auto mechanic tools to keep in stock for repair work. This loan will help her husband to continue his business smoothly. Pratima and her husband are thankful to Kiva and BJS.



This loan is special because:

It helps women in very poor districts maintain and grow their businesses.


Akshay Regmi
Kiva staff



More 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. 

About Belghoria Janakalyan Samity:

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.


Important Note About This Loan


Due to government regulations in this country, foreign funding must remain in the country for a set period of time before being returned. This means that this borrower will likely repay their loan sooner than the repayment term noted on Kiva, however as a lender you will not be repaid until this waiting period is over. In the meantime, the Field Partner may choose to relend your funds to help other local borrowers. We want you to be aware of these terms and the associated risks before making this loan.




Contact Information:

Belghoria Janakalyan Samity

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