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Mercy Lom Group
In this Group: Thienneigai, Kimthienneih, Thianneisiam, Chochong, Memcha
Mercy Lom group was created two years ago by five enterprising women who share same values and social status in their community.

Thienneingai ( the one on the right with her hand raised) is a member of Mercy Lom. She is a mother of 34 years old, having four school-going children. Thienneingai's husband, Mr. Paomang is a daily wage earner doing odd jobs whenever he can find jobs to do.

Thienneingai started her business by selling charcoal from the loans given by WSDS way back in 2010. With the income and savings from the charcoal business, she gradually changed her business to buying and selling costume and decorative jewellery--rings, earrings, chains, bangles, etc. She sells them during the weekly market days and sometimes by visiting households.

With the KIVA loan, she plans to leave her charcoal business and devote herself in the decorative jewellery business. This business, as Thienneingai explains, ‘is more stable and pays better income’ than the charcoal business. Now she is able to devote more time to her children’s education and her health too is much better than before.

Additional Information

More information about this loan

This loan is part of WSDS's effort to reach some of the most underserved parts of India's troubled northeast region, where there is very poor penetration of both formal and informal financial services. By supporting this loan, you are enabling access to finance for women living in some of India's most remote areas.

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
  • 56
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Mercy Lom Group's $925 loan helped a member to expand her costume jewellery business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Sep 3, 2012
Sep 13, 2012
Currency Exchange Loss: