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Emmanuel Group
In this Group: Nemneichong, Lhailam, Ngahlam, Lamkim, Veijahoi, Lamneichong, Nengjaphal, Lhinglam, Neilhai, Kimbong, Chongjahat, Rohnem
Pi Nemneichong, with her hand raised, is a mother of two daughters and two sons. She is 36 years of age and a member of Emmanuel group, consisting of 12 members. Her daily activities revolve around preparing food for the family, feeding her piglets and weaving traditional shawls, her main source of income, during the day and at night when all the children are asleep. She devotes her time carefully and works hard, as she tries to earn as much as she can since two of her children are attending school and she needs to be able to pay for her husband’s medical expenses. Her husband who was a carpenter is now disabled (paralysis from hip down) and bedridden. Because of this unforeseen misfortune, she has been carrying the added responsibility both as a wife and the role of the father to meet the household requirements alone.

From the first loan of INR 5000 from WSDS, she bought two piglets for rearing and thread for weaving. She managed to repay her loan by selling the finished traditional shawls and wrap-around skirts that she wove. She was also able to clear all her other family expenses like her children's school fees, medical expenses, etc. by selling the full grown pigs at the end of the year.

Now, she is requesting a KIVA loan of INR 10,000 so that she can buy two more piglets @ INR 2500 per piglet for breeding purposes, repairing and extending her pigsty, and utilise INR 2000 for purchasing thread for weaving.

The other group members have similar activities like Pi Nemneichong and among them two members have grocery shops in the village. Most of them have a ginger cum vegetable farm in the upland 'jhum' fields. They grow vegetables both for household consumption as well as for selling in the market. However, the cultivation of ginger is mainly for selling; it is harvested once a year, depending on market demand.

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
  • 51
    View loans »
    India Loans Fundraising
  • $4,831,500
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Emmanuel Group's $2,250 loan helped a member to buy two piglets for breeding, thread for weaving and to repair her pigsty.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Oct 26, 2012
Listed
Nov 3, 2012
Currency Exchange Loss:
Possible