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Apunba Nupi Group
In this Group: Memi, Nganbi, Menaka, Ganga, Premlata, Rajeshori, Ranjita, Subita, Uttarani, Roshni
In 2009, these hard working, non-tribal, like-minded women came together to form “Apunba Nupi Lup,” which means United Women. With steady improvement from her previous loans, Memi, the featured borrower with a raised hand, is now living a busy and happy life.

Memi’s main source of income comes from her embroidery work. Initially, she was a weaver, but later on she took up embroidering the woven products from her fellow weavers. With her good handiwork, her work load increased with time. Like every good business, she began to employ three more helpers to meet the customers' needs. At the same time, for better profit opportunities, she also took up embroidery work on mosquito nets, bed sheets and pillow covers. She is very happy with her business, especially the fact that she is in the position to pay her helpers for their work.

Now she needs a loan to further improve her business. With this loan she decided to work on home furnishing products like cushion covers and curtains. This loan, in combination with her saved money, will pave the way and contribute towards setting up a small show room in Imphal. She wishes to display her embroidered work on wrap-around skirts, mosquito nets and home furnishing materials. She hopes to establish a big show room for the said items down the road.

Similarly, her fellow members also need and are excited for this Kiva loan. They believe that the loan will to a great extent contribute towards fulfilling their plans 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
  • 25
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Apunba Nupi Group's $2,800 loan helped a member to expand her business and rent a small showroom in Imphal for her embroidery work.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 11, 2013
Mar 3, 2013
Currency Exchange Loss: