Pouphanliu is the member pictured with raised hand. She is happily married and is a mother to two sons and two daughters. She teaches kindergarten in a private school nearby where her husband is the school principal. All her children go to the same school where she teaches. Her salary, put together with her husband's, is not handsome enough to sustain the family especially when the children come of age and require a bigger amount for their education. Keeping this in mind she has been weaving from time to time to save even before accessing a loan. She also cultivated a homestead garden where she grows vegetables for consumption purposes.
With her first loan in 2009, she purchased weaving materials and employed two weavers to weave traditional garments such as mufflers, sling bags and wrap-around skirts. Samples of the traditional wrap-arounds, her finished products, can be seen in the photograph. She was able to repay her loan on time and increase her savings. She used the second loan for the same weaving activities and began employing the two weavers full-time. She supplied the finished garments to retailers from the main city, Imphal, for bigger profit and faster sale.
Now Pouphanliu needs another loan to increase her production by expanding her weaving shed so that she can hire one more weaver. She will buy tin sheets for the roof and do away with the thatch roof.
Pouphanliu plans to open a vocational school starting with weaving and incorporating other activities down the road. She also plans to introduce the handloom method of weaving. She is very happy that through her income activities at least two women are getting employed apart from the retailer. She has also kept her options open to quit her teaching profession once her children are old enough to go to school by themselves and focus on her vocational activities.
Likewise, the rest of the group members too needed another loan to continue with their respective activities. Potato cultivation, ginger plantation, spring onion plantation, rearing cows, farming vegetables such as mustard leaves and cabbage, and yam cultivation are activities that the group members undertake for income earning.
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!