Hebem is pictured with a raised hand. She is the mother of three daughters and two sons, and she is 40 years old. She lives as a single parent after her husband abandoned her for another woman. Now she lives with her children and one sister in-law. In spite of her marriage problem, she is determined and happy that all her children go to a private school in the nearby town, which is 5 km away.
She owns a paddy field to cultivate rice, which is a staple food for her people. She practices jhum cultivation [slash-and-burn] and grows vegetables such as pulses, pumpkins, yams and peas to sell at the market. She also cultivates ginger on a large scale for bigger profits. Every night before going to bed, she weaves clothes to sell to meet her daily needs. She is thankful to her sister-in-law for standing beside her and helping to raise the children.
With her previous loan, she has been investing in the ginger plantation, usually harvested in the month of January. Now she is hoping to get a good harvest when the month comes. The proceeds help towards enrolling her children in school for another term. She says, “I may miss all the comforts of a caring husband but I am happy all my children are still going to school”.
She needs another loan in order to plan for 2013 income activities. As mentioned above, her ginger proceeds will meet the children's admission requirements only. She plans to use this loan to buy fresh yarn for her weaving and better quality of ginger saplings for the next cultivation.
Likewise, the rest of the group members requested another loan to improve upon their respective income generating activities, which also include weaving and agriculture.
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 loanDue 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 >
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.
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This loan has been fully funded!