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Ahshi Shg Group
In this Group: Lhingkhonei, Janglhing, Tingneithem, Nemkholhing, Hoikhonei, Neitinlhing, Lhingneivah, Hoineichong
“I am a farmer and I do not have other means to generate income, if I do not use farming in the best possible way,” says Lhingkhonei.

She and other seven other members joined hands together and formed the "Ahshi Group." Their main motive is to encourage one another and assist both morally and financially in times of need. All the group members are engaged in their own respective businesses to make a living for their families and themselves. Lhingkhonei is the group representatives and she is the featured member, pictured with her hand raised. She is married with one child and her husband works in the construction sites projected by the state government.

Lhingkhonei used to weave and also used to collect firewood to sell. But her business failed after the Village Authority put a ban on collection of firewood in the forest. She had no other means but go back to where she started and that was farming.

The presence of the town market on the main National Highway is a great advantage for businessmen and women. She has been selling fresh vegetables in the said town market for more than three years. She grows vegetables in the field and also plants vegetables at the back of her house. She gets the vegetable supplies from other villagers and also supplements them with the vegetables from her field and sells them. But the income generated from selling vegetables is not sufficient to manage the daily expenses and also to save.

With the Kiva loan, she will purchase various vegetable seeds and saplings. If possible, she will also purchase vegetable fertilizers for better growth and production. She will grow them in the field and when they are ready to be sold, she will sell them. She believes that after availing the loan from Kiva, she will be able to sell only her field products and not be dependent on the other vegetable producers.

Her gratitude is immeasurable and she wishes to continue keeping the relationship strong. Her aspiration is to own the largest vegetable field in the village and become the largest producer in the whole area.

The rest of the group members are engaged in growing and selling chives.

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
  • 166
    View loans »
    India Loans Fundraising
  • $5,355,125
    Funds lent in using Kiva
  • 59.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ahshi Shg Group's $1,350 loan helped a member to purchase yam, chive and ginger saplings to grow and sell for profit.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 22, 2013
Jul 29, 2013
Currency Exchange Loss: