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Sutkim Group
In this Group: Nengkholhing, Veikim, Boini, Lhaichin, Veijahat, Domneng, Kimnei, Tingbem, Kimneng, Nengjahat, Nengneihat
“You only live once, but if you do it right, once is enough.”

This quote is Veijahat’s favourite and she says she always tries to do everything right. She joined Sutkim Group in the year 2009. She is pictured with hand raised and she is the featured borrower.

Veijahat rents a place in the town market shed and she sells various dried fish, dried-chilly and seasonal vegetables too. This includes seeds of pea, mustard, beans, cabbage, lady fingers, brinjals, pumpkin. She also takes advantage of seasonal plantation and sells vegetable seeds and saplings. She makes good money during the plantation season because almost the entire region is engaged in farming and people throng in the town market looking for different vegetable seeds and saplings. She also grows vegetables at the back of her house and sells them too. With the small profits she makes, she pays her monthly loan repayment, pays the house rent and also does household maintenance.

With the assistance of the Kiva loan, Veijahat is planning to purchase Kharif (summer) seeds and saplings. She will get the supplies from the city and sell them in the town market. She believes these will be useful for the villagers who can avoid spending extra for fares to get to the city to purchase the seeds. Veijahat says that after she received the loan from WSDS, she could manage the household expenses and save her husband’s salary for the children's education. She adds that her youngest son is pursuing his M.Phil in the capital city and one of her daughters is undergoing nursing training. “These are my accomplishments as a mother” says Veijahat.

She thanks Kiva and WSDS for the wonderful support shown upon her and the rest of the group members and is glad to be a part of the team and feels blessed. She also wishes a grand achievement for their future. She says “thank you, Kiva.”

The remaining group members are also very active and hardworking in their businesses. Their businesses include weaving, ginger farming, piggery, and garment selling.

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
  • 152
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 53.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sutkim Group's $2,050 loan helped a member to purchase seeds and saplings to sell in the town market.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2013
May 7, 2013
Currency Exchange Loss: