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Sarah Group
In this Group: Sarah, Remunten, Sidhani, Louise, Phaitunei
Sarah group was formed in 2010 and it consists of five women members. These tribal women live in a small village located in Senapati district of Manipur state, which is in the northeastern part of India. Empowering themselves and making contributions to their family incomes by helping one another through a group loan is the theme behind this group.

Sarah is the profile member who is pictured with raised hand. She is 47 years old and a mother to a son and a daughter. Her husband passed away in 2000 due to illness. Since then, she has been the sole breadwinner for the family. Due to financial shortage, she could not afford to continue sending her children to school. Fortunately, she owns a rice mill, which enables her to earn some income with which she managed her family’s daily bread. She also raised some pigs.

During daytime, she went to work. Before her first loan, even as a woman she took up the work of cutting bamboo and firewood to earn a day’s wage. Though she knew that the nature of her work could have an adverse effect on her health, she had no other options.

But in order to keep her family running and also to keep herself healthy, she wanted to take up some favorable work by taking a loan. With her first loan, she bought piglets and started raising them. She had only two pigs before the loan. Now she is satisfied and happy to see 15 pigs. She also finds more time to spend with her family and she can keep herself and her family in sound health.

She wishes to avail another loan to improve and broaden her piggery farming, which she wants to make her main source of income. Likewise, the rest of the group members need and wish for another loan to do better with their respective income-generating activities.

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
  • 185
    View loans »
    India Loans Fundraising
  • $5,200,500
    Funds lent in using Kiva
  • 53.6
    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 improve and broaden her pig farming.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 10, 2013
Currency Exchange Loss: