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Chullou B Group
In this Group: Lunneng, Tingneithem, Kimlhing, Shani Devi, Tika, Shabitri, Hatneikim, Kimneilam, Gita
"Hope is a renewable option: If you run out of it at the end of the day, you get to start over in the morning,” says Shani, who is a Nepali by birth, speaks the local dialect and has been married for more than a decade. Untiring effort and relentlessness can be seen with her life venture. She is the featured borrower member and is pictured with her hand raised.

Shani and the other eight members joined hands and formed the Chullou B Group. “Chullou” signifies “everlasting” in Thadou dialect, and Shani believes in everlasting relationships among the members. She lives in the village with the rest of the group members. The village is about 35 kms away from the capital town of Imphal, which is also one of the Northeastern states in India.

Shani runs a tea-stall in the middle of the area market. She prepares puri (deep-fried bread), toast and tea, and sells them. She is earning well and is happy. The tea-stall is open at the break of dawn and is open until late. The location of the tea-stall gives a lot of advantage for Shani, as the public transport buses and jeep parking is close by, and drivers usually stop at the stall for tea and snacks. The passengers, as well, feed themselves with tea and snacks while waiting for the other passengers to board the vehicle. Passengers start thronging in at the break of dawn, as they wait for the first vehicle to head towards the capital city.

Chit-chatting with her customers helped Shani acknowledge the need to open a grocery shop in the area. The surrounding villagers typically travel another extra 4 kms to the town market, spending an extra 30 INR as jeep fare, only to purchase essential commodities like salt, soap, cereals, etc. The generated income from running a tea-stall is insufficient to expand the shop with grocery items.

Shani wants the loan from Kiva to expand her tea-stall with selling grocery items. The plan of expansion of the business is to provide the nearby villagers with groceries and essential items. This will also make extra earnings for her, and helps the villagers to avoid unnecessary traveling to the town market. She thanked Kiva and WSDS for the support. And, says she will repay the loan on time and will continue to build a good relationship with WSDS and Kiva.

The rest of the group members are engaged in a grocery shop, piggery, weaving, clothes-selling, etc.

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

  • $2,900
    Average annual income
  • 2
    View loans »
    India Loans Fundraising
  • $4,576,200
    Funds lent in using Kiva
  • 60.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Chullou B Group's $1,500 loan helped a member to expand her tea-stall and start selling essential commodities/grocery items for profit.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 8, 2013
Listed
Aug 23, 2013
Currency Exchange Loss:
Possible