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Joujam Lom Group
In this Group: Henem , Vahneichong, Nenghoi, Thenneikim, Chinneivah, Lamneichong, Lamdeineng, Tongnem*, Lhingnem, Tingbem
* not pictured
“Behind every strong soldier, there is even stronger woman who stand behind him, supports him and love him with all his heart.” This line is an indication of a very strong woman called Henem. She is featured with her raised hand and is a member of the Joujam Group. Her husband serves in the Indian paramilitary force and is stationed outside the state. Henem takes care of her three children all by herself because her husband comes home only once in a year during his work leave. She always encouraged her husband that both had to work hard and live an independent life.

Henem runs a variety shop in her house. She sells potatoes, cereals, sugar, milk powder, paan, dry tobacco, local cigarettes, toothpaste, soap, detergent powders, candies, toffees, etc in her variety shop. She is delighted to share that she purchased a refrigerator and vanity from the small savings she made by running the shop. She successfully paid back her previous loan and she aspires to get another loan and start another side business.

With the Kiva loan, she is planning to buy chicks and raise them for sale. Henem believes that she will be able to sell them at the nearby police station, where the police officials are stationed. She will run her shop and raise chickens too. She also says that she still lacks skills and knowledge about poultry, so she will get poultry experts to help her out when she starts her poultry business. She aspires to become a successful businesswoman and a responsible housewife. She will try her best to work things out and believe in her dream. She is thankful towards all the lenders.

The other group members are engaged in ginger farming, a piggery, poultry, and vegetable farming. They are also very hard working, optimistic and always looking forward to development.

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
  • 36
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 54.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Joujam Lom Group's $1,475 loan helped a member to buy chicks to raise and sell them.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 20, 2013
Apr 8, 2013
Currency Exchange Loss: