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Jemhoi Group
In this Group: Nemlam, Veineikim, Tingkhohoi, Nengkhonei, Nengkhohoi, Lhingjahoi, Tingkhohat, Nenglam, Lalneng, Nengkholhing
“I strongly believe that to live without hope is to cease to live,” shares Tingkhohoi. She is pictured with her hand raised and is the featured borrower member for “Jemhoi-Group”. She has one son only and lives with her husband in a village which is about 45 kms away from the city capital of Imphal. Imphal is one of the capital states of the North-Eastern states of India. She has switched her business from growing and selling vegetables to running a variety shop in the village. Her husband also earns his living as a farmer. He ploughs others' fields and earns his daily wages. The family financial resources are entirely borne by Tingkhohoi and her husband.

Tingkhohoi runs a general store in the village. She sells only essential goods for the villagers which include detergent soaps, detergent powder, sachets of shampoo, different cereals, edible oils, loose as well as in pouches, candies, sweets, tea-leaves, sugar, potatoes, onions, ginger, garlic, etc. She usually gets her stocks from the city market and also from army canteen suppliers. She usually gets cosmetic items like hair-oil, face-cream, soap/powdered soap from army canteen suppliers. The rates are subsidized as the supply is purchased from the army canteen at a cheaper rate as compared to the market rate. She sells only the basic needs or required items for the villagers as villagers are her sole customers.

Tingkhohoi wants a loan to refill her general store with more cereals, imported rice, edible oils, etc. She aspires to supply the villagers on a credit basis in the future. She shared that, instant cash payment for goods by the buyers in the village is not easy. The villagers are managing their expenses with the meager income that they generate. If she can abundantly stock her store and be a supplier for the villagers, then the unnecessary spending on fares for transportation to purchase small items like soap or edible oil could be prevented and she will be able to make good sales, which will literally generate good income and will facilitate the villagers, too.

She thanked KIva and WSDS for the joint movement to facilitate women entrepreneurs. She and the other member wish them good-will and progress in their future works. She says, “Thank you, Kiva!”

The rest of the group members are also engaged in weaving, poultry, and piggery.

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
  • 157
    View loans »
    India Loans Fundraising
  • $5,369,475
    Funds lent in using Kiva
  • 59.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jemhoi Group's $2,475 loan helped a member to purchase goods to refill the general store with cereals, imported rice, edible oils and kids' delicacies to earn more profits.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 22, 2013
Aug 6, 2013
Currency Exchange Loss: