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Galngam Lom Group
In this Group: Lamshi, Mary, Nengcha, Hmangchong, Lhingneijang, Marylyn, Nengboi, Chinneng, Boinu, Nemboi, Lhingnu
Lamshi (the one raising her hand in the photo) lives in Saikul, Manipur, India. She has three children. She sells daily-use products such as vegetables, sweets, and edible items in the marketplace every day.

She is very concerned about her children’s education. For this, she struggles so hard and runs her small business with full dedication. The customers love her, which is a good sign for her business.

She asks for a loan so that she can add more items in her business.

Additional Information

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 WSDS-Initiate
WSDS-Initiate is an inclusive nonprofit that works with women across all tribes and minority communities in Manipur, located in the remote northeast region of India. Most organizations concentrate their work in the plains region of Manipur, but WSDS is among the very few organizations serving women in the isolated hills. Political unrest and frequent economic blockades in the area make it very difficult to provide services, resulting in Manipur having the lowest penetration of financial services in the country.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 159
    View loans »
    India Loans Fundraising
  • $5,358,325
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Galngam Lom Group's $2,000 loan helped a member to buy and add more items such as vegetables, sweets, and edible items in her business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 14, 2012
Aug 15, 2012
Currency Exchange Loss: