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Jonlhing Lom Group
In this Group: Hoineilhing, Kimneilhing, Tingneilhing, Hatneng, Ngahhoi, Nengvah, Hoineilhing, Vahneikim, Kholneilam, Ngahhoi, Vahneichong, Kumari, Lhingneng
Ngahhoi is one of the members who has been with “Jonlhing Lom” since 2009. She is the featured borrower member, on the extreme left with her hand raised.

She says with her inception in the group, she started raising pigs and also grows bananas on a large scale. She was able to purchase a used Jeep from the savings that she generated from her two businesses. She thanks her husband for his support and for bearing all the unfavourable circumstances when she initially started her business.

Ngahhoi lives with her husband and three children. She takes care of her family, manages the household chores and also raises pigs besides engaging with the banana plantation. She uses the Jeep for her business purposes. The Jeep is usually used as a public transport and also used by Ngahhoi to transport her banana produce into the main city to sell. Her sources of income are unreliable as it depends on the season and the market value.

She aspires to start a pineapple farm. She says the vast fields of the village are red soils and they are left untouched. Red soil on slopes is the best for pineapple, therefore she wants to buy pineapple saplings and start the plantation. She wants to start an export business for pineapple as the market value in other states of the country is double the rate in Imphal.

With the Kiva loan, Ngahhoi will purchase 200 pineapple saplings and start the plantation.

She also dreams of owning a paddy field of her own in the future. She and her husband do farming at rented paddy fields. Thus, she also plans to do some savings and buy a paddy field for the family.

She thanks WSDS and Kiva for the unconditional support and co-operation. She says she will always remain thankful. The rest of the group members are engaged in poultry, piggery, grocery shops and banana plantations.

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
  • 55
    View loans »
    India Loans Fundraising
  • $5,657,350
    Funds lent in using Kiva
  • 59.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jonlhing Lom Group's $3,275 loan helped a member to purchase 200 pineapple saplings and start a plantation.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 25, 2013
Jun 28, 2013
Currency Exchange Loss: