Muhit B Shg Group
Dimngai is a hard-working woman and believes in sheer effort to make a living. She raises cattle to generate an income for the family. Her husband earns his living as a farmer and she supplements the family income by raising cattle and weaving traditional women's wrap-around skirts. At present she has two female cows which produce milk. The milk is then sold every day in the neighbourhood. Her daily expenses are managed with her income from selling cow's milk. The cattle are also used on rental for ploughing paddy fields where tractors are not available and the payment is made based on the acres of land that are ploughed.
Dimngai usually gets the nutritional diet for cattle from the city market to keep the cattle healthy and strong. The cattle are also fed grass and refined dry grass. They are taken to the nearby fields to graze all day and feed on grass. Medical needs are provided on a regular basis whereas cattle are made to work at heavy labour and little care is granted by others. Most of the earnings are generally used to care for the cattle and cover household expenses.
Dimngai also weaves and sells finished woven wrap-around skirts to those who place an order. Despite working as a weaver and a cattle raiser she finds it hard to manage any monthly savings and she needs to renovate the cattle cow shed which leaked during the rainy season. The cattle are moved from the cow shed to a nearby shelter during rain.
With the Kiva loan, Dimngai will purchase tin roofing, bricks and cement to re-construct the cow shed. She is delighted as the cattle will be kept in a protected shelter and she loves her cattle. She thanks Kiva and WSDS for the wonderful gift of a loan and says that she will repay the loan on time and will continue building good relationships with the organisation. She says “Thank you so much, Kiva!"
The rest of the group members are engaged in weaving, piggery, vegetable selling, and the rice selling business, etc.
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!