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Sarah (B) Group
In this Group: Precilla, Hatrei, Nengbul, Kimboi, Margret, Themjahat, Hatneihoi, Anjily, Martina, Nengneihoi, Lamhoi, Chochong, Neiboikim, Momneichong
Pictured is a 14-member women's group called Sarah-B in the village of Makokching in the hills of Northeastern India (state of Manipur). The group members are quite jolly in supporting each other, as Christian neighbors and business owners.

Pi Nengneihoi (with her right hand raised) is 28 years old and owns a small hand-built grocery & variety shop in her village (the shop seen in the background of the picture).

She is a mother of one young daughter and is dedicated to making her shop a success so her daughter can get a good education.

She has gained confidence in herself and her business sense. She was able to open this shop due to the first loan she received from WSDS of Rs. 5,000 INR.

Pi Nengneihoi plans to expand her business and start saving for her daughter’s education. She is requesting a loan of Rs. 10000 INR to procure 1 bag of dal (Rs.3000), 1 bag of sugar (Rs. 2000), 1 bag of rice (Rs. 2300) and 3 bags of potatoes (Rs. 2400).

The other group members are using a portion of their loans for their weaving business that keeps the tribal customs alive through traditional garments; purchasing livestock such as pigs or poultry which is able to provide good earnings for their families and growing fruits and vegetables to sell at the markets.

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
  • 155
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 52.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sarah (B) Group's $2,675 loan helped a member to buy potatoes, sugar, rice, dhal (lentils), and more for her small grocery store servicing her village.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 24, 2012
Oct 22, 2012
Currency Exchange Loss: