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Goldei Group
In this Group: Kimneichong, Lamneihoi, Neilam, Lhaithem , Hatneiching, Lhingneichong, Hatneilhing, Boishi
“ I had a challenging and difficult upbringing with my stepmother and stepbrother,” says Kimneichong, who is the featured borrower in the Goldei Group. She is pictured with her hand raised. The sudden demise of her father shocked her mother for a long time, which left her with no other option but to take care of her mother and brother. She had been running errands for a pharmacy shop in the town market since her childhood days, from where she learned how to maneuver a drug shop. The owner of the drug shop usually taught her and says “you can run one as well” and she was very confident about it. The owner of the drug shop operates with a license and her B.Pharm Degree. It has been more than a couple of years since she has been running a drug shop in the town market.

Kimneichong runs a drug shop at the center of the town market. The town is about 40 kms away from the capital town of Imphal. She runs the drug shop with the assistance of the doctors posted in the District Health Centre. The nurses in the town and the villages also suggest the drugs that are most often required. She initially started the business on her own but after her marriage, her husband has been giving a hand. She gets the drug supplies from the main town and sells them in the town market. Sometime her husband runs errands for Kimneichong. She profits a good amount from the drug shop because there are very few drug shops in the whole area. She wanted to run the drug shop with an abundant supply of drugs but usually ends up with a shortage of supplies. The insufficient capital is always the main reason for the shortage of stocks in the drug shop.

With the Kiva loan, Kimneichong will refill the drug store and will earn more money. In the future, she will employ a trained nurse to give first aid services to the town and the nearby villages. She wants to make her living by selling life-saving drugs and provide the town with first aid medical services. The government-run district hospitals are defunct t due to the absence of staff, which leaves the town with no other options but to go to the city. She also plans to purchase a used minivan in the future and use it for public transport between the town and the main city.

The rest of the group members are engaged in selling export garments from neighboring states, weaving, running a piggery and running a Paan shop. Kimneichong says her gratitude towards Kiva and WSDS is not justified by words. The contribution is appreciated by all the group members and they will always remain obliged. 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
  • 195
    View loans »
    India Loans Fundraising
  • $5,211,575
    Funds lent in using Kiva
  • 59.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Goldei Group's $1,600 loan helped a member to restock her pharmacy with more drugs and first aid supplies.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 29, 2013
Jun 29, 2013
Currency Exchange Loss: