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Ebion Group
In this Group: Chongneilam, Deilam, Veineichong, Kimneilhing, Nengneilhing, Nemneikim, Nengthem, Hatneichong, Nengneilam, Ngahnem
“I raise cattle,” says Nengthem, and smiles away. Women usually don’t raise cattle. If they do, they also assist their husbands, but Nengthem raises cattle and is also involved in ginger farming.

Nengthem is the featured borrower member for Ebion Group. She is pictured with her hand raised on the extreme left in the picture. The village where she and the other group members reside is about 45 kms away from the capital town, and it is a hilly region. Her husband is a builder, and he builds wooden houses and fixes wooden doors, windows, etc. His earning is unreliable, as it is entirely based on availability of work. The meagre income of the family is supplemented by Nengthem as well, by selling ginger and raising livestock.

Nengthem grows ginger on the hill slopes near the village. She also grows other vegetables, but her main produce is ginger. She also sells livestock in the village and nearby villages. The livestock are taken to the ginger fields in the morning, and they graze on the fields. They are brought back home in the evening when they are coming back from work.

Since the lamb’s main feed is grass, it is easier to raise them, as there is no extra expense on livestock feed. She can manage both the activities without much effort, and she also helps generate more income with selling ginger and livestock. With the present income, she could not afford to purchase more lambs, as the income is used for household expenses and other expenses.

Nengthem wants a loan to purchase three or more lambs. She will rear them in her field, and she can also work on her ginger farming without any disturbances. Once they are fully grown, then she can sell them.

She usually sells the ginger to the women vendors in the town market, as well to the vendors in the main market. She is glad that Kiva and WSDS are cooperating to develop the underserved women; she is trying to generate income for the family and herself to make a stand in the society.

She thanked Kiva and WSDS once again.

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
  • 174
    View loans »
    India Loans Fundraising
  • $5,192,575
    Funds lent in using Kiva
  • 60.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ebion Group's $1,650 loan helped a member to purchase three or more lambs, rear them, and sell them for profit when fully grown.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Aug 8, 2013
Aug 17, 2013
Currency Exchange Loss: