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Janlai Lengnu Group
In this Group: Neinu, Hethem, Hoinu, Neilam, Hechin, Nengjanei, Nenglam, Mercy, Hoitinnei, Kimnu, Moikim, Lamnei, Hoipi
Pi.Neilam, raising her hand in the group photo, is 40 years of age. She has one son and one daughter. She is a member of a group called Janlai Lengnu; its literal meaning is 'queen of the night'. Most of its members reside in and around Saikul and are doing small business at the Saikul bazaar. Saikul is a small town in Manipur, one of the seven sister states in the northeastern part of India.

Previously Pi.Neilam ran a small tea stall at Saikul bazaar all by herself but found it not so profitable, as there are a good number of tea stalls in the area. She wanted to venture into the garment business as there is scope to make good business but she didn’t have enough money to start with. She, along with other members of Janlai Lengnu group, approached the WSDS branch office at Saikul and sought a loan. After all the formalities, each member received a loan of INR 5000.

With the loan amount plus some of her own money, Pi.Neilam went to Moreh, a small town near the Myanmar border well known for its foreign goods, and purchased garments wholesale to be resold at Saikul bazaar. Clothes seen hanging behind the group picture is the one showcase for selling by Pi.Neilam. She sells ladies' clothes, men’s wear like T-shirts, jean pants and clothing for children.

With the approach of festivals like Diwali, Durga Puja and Christmas she is desperately in need of money to add garments in her stall. She is asking for loan of INR 10,000 for her business. With the profits earned she plans to enroll her children in a better school.

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
  • 129
    View loans »
    India Loans Fundraising
  • $5,414,825
    Funds lent in using Kiva
  • 52.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Janlai Lengnu Group's $2,475 loan helped a member to expand her garment stall by adding more clothes in view of the coming festivals like Diwali, Durga Puja and Christmas.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 24, 2012
Oct 19, 2012
Currency Exchange Loss: