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Women Unity Group
In this Group: Memtombi, Kamala, Inaocha, Tombimacha, Sakhitombi, Nonibala, Thambal
Inaocha belongs to the Women Unity Group and she is the featured profile member with her hand raised in the photo. Inaocha and her six friends from the same neighborhood joined hands together and formed the group. They live in a village that is about 35 km from the capital town of Manipur, which is also one of the northeastern states in India. Inaocha’s husband drives public transit vehicles and earns a monthly income. Inaocha weaves and her main source of income is weaving.

Inaocha used to use her small savings to pay for the security deposits as the yarn retailer would ask for security deposits. In order to get abundant supplies of woven products, Inaocha hires weavers and tailors and supplies them with the requisite materials like yarn and cloth materials. Inaocha pays them their weaving charge once they are ready. She collects the woven products and takes them to the market place to sell. Her woven collection consists of bedcovers, pillow covers, mosquito net, blanket covers, wrap around skirts and women's shawls.

With the KIVA loan, Inaocha is planning to hire more weavers and tailors who can’t get their own loom or sewing machines. She is also interested in getting a new loom for the hired weavers to use. She will grant them their wages and supply them with the required materials, as she will be able to meet the demands the retailer have asked for. They are looking forward to KIVA for the support and believe that it will enhance their merchandise

She will continue her business and aspires to become one of the largest producers of woven clothes and tailored clothes in the respective area.

The rest of the group members are also engaged in embroidery work and weaving.

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
  • 125
    View loans »
    India Loans Fundraising
  • $5,421,200
    Funds lent in using Kiva
  • 61.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Women Unity Group's $1,725 loan helped a member to purchase more supplies for weaving like yarn, threads and silk.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 15, 2014
Jan 15, 2014
Currency Exchange Loss: