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Malom Panthoibi Shg Group
In this Group: Tilo, Ibemcha, Hemapati, Piyo, Jamini, Manglembi, Ngangbiton, Thoinu, Sanatombi
"At work, you think of the children you have left at home. At home, you think of the work you've left unfinished. Such a struggle is unleashed within yourself and your heart is rent," says Ibemcha, who is the featured borrower member of the Malom Panthoibi SHG Group.

Her life moved fast with an early marriage, and her husband left this world, leaving behind three kids in Ibemcha’s hands. Her husband used to be a quarry labourer during his time, which Ibemcha continues after her husband died. She is illiterate, and that paralyzes her to get a job but earned through hard manual work. She tried all possible means to manage her family’s financial expenses. She ploughs at others' farms and weaves to generate income, so that she could send her three kids to school and let them finish their education. That was her husband’s wish, and she is determined to fulfill it against all odds.

Ibemcha makes her living by working on the river bank, where she sieves sand, stones and pebbles. She usually works as a paid labourer and is paid only the labour charge. After she joined the group and availed a loan, she could contribute a share to rent land, although it was small in size. She started earning more with the surplus income after selling the sand, pebbles, soil and stones from the rented land. She purchased school uniforms, and gave admission fees and school fees, and also manages the family expenses.

During the rainy season, she weaves all types of traditional attire for both men and women, and sells the finished products for profit to the women vendors in the city market. With the small profit, she could do some savings and also managed to join a savings group. Her one wish was fulfilled after the inception of the group’s formation, and she could have a share in the group savings.

With the Kiva loan, Ibemcha is planning to contribute a share to rent a bigger plot of land for quarry purposes. She and her group decided to use the loan and their savings to rent a bigger plot of land for the said purpose. She said that just the loan is not sufficient because they require small and large cranes to excavate the land for sieving purposes. Therefore, they will utilize the group savings for a better outcome.

Her dream is to let all her three children complete their education and get a job on their own.

The rest of the group members are also quarry labourers and engage themselves in weaving and tailoring when they don’t work at the quarry sites.

Ibemcha thanked Kiva and WSDS for the help, and wishes them good luck, happiness and prosperity.

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
  • 34
    View loans »
    India Loans Fundraising
  • $5,654,350
    Funds lent in using Kiva
  • 59.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Malom Panthoibi Shg Group's $2,100 loan helped a member to rent a larger plot of land for sand-sieving purposes for a bigger income.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 16, 2013
Jul 20, 2013
Currency Exchange Loss: