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Nongpok Leima Women Group
In this Group: K.indumukhi, K.shantikumari, Kh.ibetombi, M.arnapuna, M.nirmala, K.rashi, Jamuna, M.shantikumari
Nirmala is pictured with her hand raised, and she is the featured borrower for Nongpok Leima Group. She has a nuclear family with only a boy and a girl. Her husband runs a shop in the main town market and sells essential household supplies. She also helps in running the shop and on the other hand she is engaged in tailoring. She tailors different designs of mosquito net. Although her husband and she hold a graduate degree, there is very little opportunity for filling a job vacancy in the state government. Therefore both of them decided to do what it takes to survive.

Nirmala tailors and sells different types of mosquito nets to the women vendors in the town market and in the city market. She also gets supplies from other tailors; she supplies sewing/tailoring materials to these tailors and pays their wages once the nets are stitched and finished. With the assistance of the other tailors, she can also produce three or four mosquito nets maximum in a day. Her income has increased with time and she makes good sales during the festival season.

Nirmala equipped herself with the required sewing/tailoring materials and also informs the other tailors before the busy days begin, i.e., the festival season. The demand is high and the supply usually is short if one does not pre-plan because the embroidered mosquito net is used as a special gift on many occasions. Every single house in the state celebrates the festival during this season, so a gift is a must for every household which is a great advantage for business.

With the profits she also stocks her husband's shops with more variety and also makes her loan repayment successfully. She also joined a local Investment Body wherein one deposits a stipulated amount of money on daily basis and once it is mature, one can get back the amount with interest. Besides this she also joined a group savings with the other group members.

With the Kiva Loan, she will purchase more supplies for tailored mosquito nets and refill stock to sell in the shop. She wants to invest in the shop because she wants to expand the shop in the future. Her husband is a good businessman and careful with money, therefore she believes that both of them can work hard and be successful in their business. The rest of the group members are also engaged in weaving and tailoring. Nirmala 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
  • 159
    View loans »
    India Loans Fundraising
  • $5,194,825
    Funds lent in using Kiva
  • 54.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Nongpok Leima Women Group's $1,500 loan helped a member to purchase sufficient cloth for sewing mosquito nets and stock for shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 20, 2013
May 10, 2013
Currency Exchange Loss: