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Dry Flower Shg Group
In this Group: Hevei, Tinlhing, Hoishi, Hoikim, Lamkhochin, Chinneilhing, Lhingneinem, Esther, Lamneichong, Hatneichong, Lamkhotin, Mary
"The plight of my husband dead and not being able to live with my daughter makes me sad and haunts me," shares Hevei. Her husband passed away when her child was only one and a half years old. Her daughter stays with her husband’s family and Hevei returned to her parents' house. She is the featured borrower member for Dry-Flower group and she is pictured on the extreme left with her hand raised. Most of the members in their group are divorcees, single or widows. They joined the group to support one another financially and technically. All members live closed to one another in the same region which is about 40 kms far from the main capital town of Imphal, which is one of the capital states in North-Eastern India.

Hevei is a talented weaver and her finished products are highly in demand. She usually receives orders from neighbours and neighbouring villagers. Most of the time she fails to deliver them as she weaves with the traditional backstrap loom. Weaving with the help of the traditional back strap loom is time-consuming and tiring. Hevei generally receives a depository amount from those who placed an order and purchases the yarn and thread from the main market in the city. Once the piece is finished, she gets the full amount. Her sister also helps her in weaving and both of them generate income for the family.

The inability to put aside saving has immensely paralyzed her and made it difficult to efficiently work on her weaving activity. There are times when Hevei does not have enough money to purchase the yarn as most of her income is expended on her nieces and nephews educational fees. Her late brother had left his kids in her responsibility and she tries hard in all possible ways to manage. The demand is high during the wedding season; the bride generally takes several traditional wrap-around skirts along with her. The wedding season starts in the month of October and lasts till late April.

Hevei wants a loan from Kiva to purchase different types of yarn and thread and keep them in stock so as to start weaving before the wedding season begins. She aspires to become the most successful weaver and highest supplier in the town. She says she will work hard and ceaselessly continue striving to get a loom and construct a separate chamber for weaving purposes. The joy is heard when she shares her plans and how she will work in future. She thanked Kiva and WSDS for everything and says “God Bless Kiva!”

The rest of the group members are also engaged in weaving, or piggery and vegetable selling businesses.

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.

Tags

About India

  • $4,000
    Average annual income
  • 76
    View loans »
    India Loans Fundraising
  • $4,848,600
    Funds lent in using Kiva
  • 63.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Dry Flower Shg Group's $1,900 loan helped a member to purchase more yarn and thread items for weaving different designs so as to earn more income.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 14, 2013
Listed
Aug 26, 2013
Currency Exchange Loss:
Possible