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Naomi Lom Group
In this Group: S. Nengkim , Vavah , Lhingboi, Nenei, Lamcha, Nengkhohoi
Lhingboi is a group member in the Naomi group, and she is the featured borrower member with her hand raised. She works hand in hand with her husband to manage the household expenses and says, “We work together for our dreams to come true”. She weaves for income while her husband is a carpenter to support the family.

Lhingboi says weaving without a loom is painful for her backbone and a lot of time is consumed to finish the woven products. She wanted to get a loom, but always failed because she has three kids to take care of. Providing them with education is not a small task for irregular incomes like theirs. She could weave only two or three wrap-around skirts in a month, provided she is in good health. The amount she gets after the sales are not sufficient to start a weaving business. There never was a time where she could spare her savings to get a loom. On the other hand, her husband earns money by woodworking, which provides an unreliable income. He gets orders for furniture and most of the time, he fails to deliver them on time because he can’t afford to buy advanced tools for his woodworking.

With the Kiva loan, Lhingboi will get a loom and try to secure her business by producing more woven products with the help of the loom. She also says that her chance for weaving at middle age is very low but with the loom, she can continue her weaving activity for a long time. And with the returns, she is planning to get advanced tools for her husband, to enable him to be successful in his business, too.

She says that both her husband and herself will continue their businesses until their kids can replace them and manage the family. She is thankful towards Kiva and WSDS for the support and wishes you great success in your own ventures.

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
  • 201
    View loans »
    India Loans Fundraising
  • $5,212,200
    Funds lent in using Kiva
  • 54.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Naomi Lom Group's $1,100 loan helped a member to purchase a loom for weaving.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2013
Apr 7, 2013
Currency Exchange Loss: