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Ekhad Group
In this Group: Kimngaihniang, Kim Mary, Thiengneihjem, Niengneikim, Moinu
Ekhad Group is composed of five members. These members are tribal women residing in D. Phailien village, which is about 67 kilometers from Imphal, the capital of Manipur. Manipur is a state that lies in the northeastern part of India. Each group member has an important role in running her respective family. By coming together in a group, they are able to support each other and share their experiences. This togetherness has paved a way for them to sustain themselves.

Moinu is the profile member, and is seen in the picture with her hand raised. She is a 38-year-old mother. She has five sons, all of whom are school-going. Her husband is a carpenter by profession and works in a carpentry workshop. With her husband’s wage, they can hardly manage their childrens' school fees and all the requirements at home. Therefore, she took up the job of selling vegetables, hoping that she can bring home some money to manage at least two square meals for the family.

Though she is a vegetable vendor, she does not own a shop. She carries her stock in a conical bamboo basket, which is a local handmade basket used by tribal people in northeast India. She goes from door to door in the locality and sometimes even to far places carrying and selling vegetables. These vegetables include mustard leaf, peas, tomatoes, potatoes, cabbage, cauliflower, brinjal (eggplant), bean leaves, bamboo shoots, and cucumbers, as well as fruits like lemons. Keeping aside the capital, whatever profit she makes is spent for buying rice for the family and some portion is kept for repayment of the loan. With her next loan, she plans to buy more varieties of vegetables and fruits so that she can make more profit.

In the same way, the other members of the group engage themselves in activities like raising pigs or selling vegetables and fruits.

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
  • 25
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 53.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ekhad Group's $950 loan helped a member to buy varieties of vegetables and fruits to sell for profit.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 1, 2013
Currency Exchange Loss: