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Sarah Group
In this Group: Nengkholam, Tingkholam, Lhingneichong, Kimboi, Hatneng
Lhingneichong, who raised her hand in the picture, is 38 years old and lives at L.Hengjang, a small tribal village in Manipur, a state in the northeastern part of India. Villagers of L.Hengjang have practically no access to financial assistance, not even in the form of loans. Due to poverty and shortage of capital money, they are not able to take up income-generating activity.

Lhingneichong and her husband are a hardworking couple who have three school-going children. Though her husband works as a carpenter, his income is inadequate to meet their day-to-day household needs and the children’s educational expenses.

In 2009 Lhingneichong learned about WSDS disbursing loans to women's groups in the neighboring locality. To avail herself of this opportunity, she, along with four other women of the village, formed Sarah group and underwent compulsory group training conducted by WSDS. On completion of the training, Lhingneichong and other members of the group received INR 5,000 each as loans.

With the loan, she bought two piglets and with the remaining amount she built pig sty. Feeding her pigs involves a good amount of hard labor. She walks down to Leimakhong (market place), which is about 2 kms, to collect feed for her pigs. During day time she works in her small agricultural land where she cultivates potatoes, cabbages and many other vegetables for her household consumption and sale in the market.

Now she wants to avail herself of another loan of INR 10,000 to purchase four or five piglets depending on the price. And by next year with the amount she gets from the sale of these pigs, she wishes to start a small general shop in the village. She is hopeful that with God’s grace her cherished dream of having her own general store and providing proper education to her children will surely come true.

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
  • 166
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 52.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sarah Group's $950 loan helped a member to purchase four or five piglets.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Oct 24, 2012
Oct 19, 2012
Currency Exchange Loss: