Nongpok Ningthou Shg Group
The group comprises seven women members, and all of them are quarry workers. Besides running their businesses to supplement their income, all the group members joined hands for renting the land for a quarry and generating income by sand-sieving. The other group members are also engaged in weaving and tailoring, also during the off-season of sand-sieving. Subadani says to earn as a hired quarry worker, the pay is very little. Therefore, the group members contributed equally for the rented plot and manage to earn a better income.
Subadani runs a shop which is located on the front side of her house plot, which is adjacent to the main lane in the village. She sells betel nuts, betel leaves, potatoes, various cereals, sugar, tea leaves, edible oils, ginger, onions and all essential daily items. With the meager income, she also shares the family expenses with her husband, who is a driver by profession.
She usually gets the supplies from the main market and sells them in the village with a little profit. She says that during farming season, sales go down because most of her customers are farmers or daily wage-earners. Therefore, she also closes her shop for a time and engages herself along with the other group members and starts quarry work. With the income from both the shop and the quarry, she opened a bank account and started saving. She also joined a savings group along with the other group members.
With the Kiva loan, she will purchase coated jewelry and summer garments. She will sell them in the shop and also take them door to door. She says the place where she lives is mostly inhabited by Meetei people, and these people use jewelry for many occasions and rituals. She wanted to sell them before the festive season starts. In both ways, jewelry and garments can be sold with the same purpose.
Subadani thanked Kiva and WSDS. She says, “God helps those who helps themselves, and our group is a very hardworking group. Kiva and WSDS are a blessing in disguise. God bless the organization.”
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!