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Lomgoul Group
In this Group: Hesen, Henei, Hatngah, Hoichingkim, Nemneihat, Vahtin, Phalneng, Lhingneichong
Widowed at a very young age and with her two kids to take care of, Henei is the featured member with the raised hand. She is a member of the Lomgoul Group. After her husband passed away, she moved back to her poor parents' home with her kids. Tragedy struck when her younger daughter was found drowned in the nearby pond, which shook Henei’s life and became the reason to continue to live her life. Starting a new life without her husband and her deceased daughter wasn’t easy at all, but her son would be an orphan if Henei lost hope and cursed herself for the plight she faces. Her son is the only reason why she is back in form to continue her life and start off the business to support her son and herself. Her group members also supported and encouraged her in all possible ways.

Henei started her own business by selling cosmetic and grocery products. She used to get the stock from the nearby Army canteen and sold it with a profit in the village and nearby markets. Her supplies consist of talcum powders, hair oils, detergent soaps, tooth-paste, milk powder, detergent powder, etc. With the little profit she made, she also started selling used clothes in her village and neighbouring villages. She gets the used clothes from the main town, which is about 30 kms from the village where she resides.

With the extension of the loan from Kiva, Henei decided to get more used clothes from the main market consisting of T-shirts, Medi-Pants, summer pants, shorts, and cotton shirts as she feels that summer is approaching and selling these items will bring more money. She will sell used clothes as well as continue stocking army canteen supplies for the villagers and the nearby shops.

Henei's dream is to own a house of her own that she and her son can share without feeling any obligations towards anyone. Her community has shown her more support than she feels she and her son deserve. Thus, she is hopeful that with the loan, she will formulate a way to earn her monthly income and do some saving to let her dreams come true.

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
  • 23
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 54.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Lomgoul Group's $1,025 loan helped a member to purchase more used clothes for her business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2013
Mar 25, 2013
Currency Exchange Loss: