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Thambou Group
In this Group: Radha, Bebem, Shonorota, Ibemcha, Lily
Thambou Group has five members belonging to the Non-Tribal community residing in a small village. The village is about 65 kilometres from Imphal, capital of Manipur, which is one of the seven states in the northeastern part of India. These women members are hard-working and tolerant. In the long run, since one alone cannot bring about sustainability, they have come together to find a way by helping one another.

Bebem is the profiled member of the group, posing with her right hand raised in the picture. She is only 25 years old and she is still a bachelorette. Her father passed away in August, 2012. She is now living with her mother alone. Apart from being a hard-working woman, she is also gifted with the quality of leadership. Socially, she is involved as one of the leaders among the younger generation in her locality.

By profession, she is a local wine brewer. This local wine is prepared from rice and locally made yeast. In a day, she is able to produce 30 to 40 litres of it. The quality of the wine depends much on the weather condition and seasons. When these factors are favourable, demand is higher and she can even produce more. There are about six to seven places where she supplies her product. She is assisted by her mother alone. Whatever profit that is made, is being used for the family.

Now she feels that it is time that she got married. But due to the poor financial condition that she and her mother are in, she cannot take that step. So she plans to raise her earnings by increasing the quantity of her product and finding more places she can supply.

Most of the members of the group brew wine while some are engaged in tailoring.

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
  • 37
    View loans »
    India Loans Fundraising
  • $5,650,575
    Funds lent in using Kiva
  • 53.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Thambou Group's $1,775 loan helped a member to buy rice, firewood and yeast for brewing local wine.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 10, 2013
Currency Exchange Loss: