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Sanarei Group
In this Group: Renu, Mala/apabi, Sanahanbi, Thoibi, Keinaton, Jangneichong
Sanarei is a group of six members and they are the residents of a small hilly village in the state of Manipur, which is located in the northeastern part of India. They are a new SHG group and they all possess the same kind of business: they sell vegetables in the town market on a regular basis. Though they do not generate a huge amount of profit from this activity, yet they say that they are able to sustain and support their families when they manage the family expenses prudently. hough they carry out their business in the hill town, they all reside in the village, which is 1 ½ km distant from the town. They come to the town market every morning and carry out their activities.

The group is represented by Apabi, who is pictured with her hand raised. Apabi's husband is a daily wage earner who works in the field in the village. She has two daughters and one son. She sells some local delicacies such as boiled egg, fruits, tomatoes, chillies, dried fish, and she also sells vegetables and other items in the market. With the profit she gets, she pays the monthly and daily expenses of the children's schooling, and she is also able to manage the family's expenses. But the income that she generates from her activity is not enough to meet other requirement of the children and the family.

She says she manages the daily expenses of the family but is not able to have savings. The shortage of capital for the shop is also a factor that diminishes the income from the shop. She says if she can do some savings, which will be her capital as well as her future savings, then she is shooting two birds with one stone.

With the Kiva loan, she will refill her shop with more dried fish, different local delicacies and other essential commodities. She will also open an account for savings and make sure that her son gets the best education to have a successful career in the future.

She thanks Kiva and WSDS for their support and wishes them good luck in the future.

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
  • 36
    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 Sanarei Group's $1,025 loan helped a member to refill her shop in the town market.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 16, 2013
Jul 21, 2013
Currency Exchange Loss: