She is the featured borrower member of Sahei Group and is pictured with hand raised. Since her husband passed away, she takes care of her three children. She takes both the father's and mother's roles and shows strong character.
She has continued extensive aquaculture, which she and her husband used to do. She uses the pond that was dug by her husband and his friends and then raises fish in the pond, which is located just across the house.
Managing the family expenses with the retirement monthly pension of her husband was difficult. In order to supplement the family income, she joined the group and availed loan.
She bought hundreds of fry and twats with her first loan. She also bought feed from the markets called powdered-husk. Since it is an extensive aquaculture, she entirely depends on the natural vegetation of the pond. She usually feeds the powdered husk in smaller quantities at a consistent time. She usually sells the fish to women vendors in the town market when they are full grown.
She says there was a time when all the fish died from an unknown cause. She was disappointed, but her love for fish farming urged her to continue raising fish. She says it is multipurpose because she loves raising fish and at the same time it generates income. She uses the profit for her children's education and the rest is used for household maintenance. She also managed to join the group's savings and she is happy to be part of the Sahei Group.
She says that neighbours' children and poultry get inside the house perimeter and play in the fish pond. She says it is sometimes rude to chase or chide the children and that eventually creates enmity between neighbours.
With the Kiva loan, she will purchase fencing nets for the fish pond. If she can arrange a proper fencing for the fish pond, then she won’t have to worry about the fish in the pond. She says thank you to Kiva and WSDS for the support and says please continue helping us.
The rest of the group members are engaged in weaving, cattle rearing, ginger farming, vegetable selling and a paan shop. The group members encourage one another and support each other in their businesses and also conduct meeting on the second Sunday of every month.
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 loanDue 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 >
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.
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This loan has been fully funded!