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Ruth Group
In this Group: Veinem, Domnem, Boilhing, Nemneineng, Seilhing
Domnem, the woman raising her hand in the picture, is 48 years old and belongs to a Kuki tribe of Manipur. Her husband died 10 years ago, leaving in her care two sons and a daughter.

All these years she has been working very hard. She had to take any job that came along, many a time working as a daily wager (day laborer) to support her family. After the death of her husband, it was difficult for her alone to support her family and the children’s education. Her two elder sons had to drop out from school and the eldest son did carpentry work to earn some money for the family. But Domnem, despite all the difficulties, insists on supporting her youngest, a daughter, to continue her studies, and today her daughter is reading in class nine.

In 2009, one of Domnem's friends informed her that they were forming a group to access a loan from WSDS and she asked Domnem if she would like to join the group. She grasped the opportunity and became a member of Ruth Group. The same year, she received her first loan from WSDS of INR 5,000 and started selling meat at the local market.

Early morning she would travel to Sekmai, which is about 15 kms, boarding the local bus, and purchase meat from the butchers. On return, she would smoke part of the meat over a fire and sell it in the local market. Dry meat (smoked meat) is a popular delicacy in the locality.

Selling meat, she says, is very profitable and she wishes to carry on her business but in larger quantity. She now asks for another loan of INR 10,000 to increase her sales. With the profit she plans to repair her house.

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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 52.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ruth Group's $950 loan helped a member to purchase meat from the butcher to smoke and resell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 24, 2012
Oct 22, 2012
Currency Exchange Loss: