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Bethel Lom Group
In this Group: Kimlhing, Nengcha, Hechin, Phalnu, Kimneo
Kimlhing is the featured borrower of Bethel Lom and she is pictured with her hand raised. She is blessed with five healthy boys and her husband serves as a teacher in a government school. All the boys are still in school and she usually manages the household chores on her own. She also laughs out loud saying, “Raising five boys is a total menace!"

She is also raising pigs besides managing the boys and the chores. Piggery is the only option left for Kimlhing to generate an income for the family because she needs to stay at home for the children. She also made a good profit recently after she sold the fully grown pigs. She was able to pay back the loan and also used a portion of her income for her children’s education.

She says that so far she has not faced any difficulty in raising pigs and finds it easy because the bigger boys are also helping her in feeding the pigs when they have holidays or vacations.

With the Kiva Loan, she will buy three more piglets, raise them and sell them when they are fully grown. She aspires to expand her piggery in the future, make savings in the bank, and build a house. Kimlhing says that her only savings so far are with the group members and she wishes to have her own savings account in the bank. She will work really hard to be more successful in her piggery and also in bringing up her boys.

She thanks WSDS and Kiva for the financial aid and wishes both healthy and prosperous years ahead. She says “Thank you, Kiva.”

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
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Bethel Lom Group's $950 loan helped a member to purchase three more piglets, raise them and sells for profits.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 27, 2013
Apr 25, 2013
Currency Exchange Loss: