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Kinepna Group
In this Group: Lhaineilhing, Nengboichong, Vahchong, Kimneichong, Lhingnei, Lhingcha, Kimjalhing, Chinlhing, Neineng
“Kinepna” literally means "Hope" and these nine hardworking women named themselves Kinepna Group. Kimneichong is pictured with her hand raised and she is the featured borrower member. She says her participation in the Kinepna Group makes her stronger socially and financially. She also says hope is the driving factor to be successful in life. She is single and lives with her mother, brother and her sister-in-law.

Kimneichong runs a tea shop-cum-variety shop in the village where she lives. Her shop is located near her house. She sells a few essential commodities including candles, kerosene, salt, sugar, cereals, matchsticks, cigarettes (exported and local), betel nuts, betel leaves, shampoo sachets, etc. Her tea shop is busy – especially in the mornings when village elders throng in for chit-chat and to enjoy tea. She also prepares toast and puri in the morning. She wanted to help her brother and sister-in-law with the farm but opted for opening a tea shop and running a variety shop instead because her mother is old now. She manages the household chores and also takes care of her aged mother, so she is better off running the shop because she can stay close to her mother. She gets supplies from the city and sells them in the village at a little higher rate to make a profit. She also supports the family in household financial maintenance.

Her inception in the group enabled her to join a local investment group where one deposits a monthly saving and the amount can be withdrawn after the completion of a year. Her savings so far are small and she hopes to make larger savings once she can expand her shop by refilling with more stock. With this Kiva loan, she will purchase detergent soaps, detergent powder, rice and edible oils. Her future plan is to be able to run the shop without needing a loan, and she says she will work hard to achieve her plan. She thanks Kiva and WSDS for the support and enabling her to look forward to her plans. 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
  • 26
    View loans »
    India Loans Fundraising
  • $5,655,475
    Funds lent in using Kiva
  • 54.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Kinepna Group's $1,650 loan helped a member to purchase stock for her tea shop and variety shop and make a better income.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2013
May 18, 2013
Currency Exchange Loss: