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Morning Star Group
In this Group: Hosana, Khamsinmei, Ganchuilu, Esther, Jenlu, Kachamlu, Tanthaolu, Akhon
An early bird catches a worm and these eight tribal women rise at the break of the dawn and engage themselves in household chores and their income activity. They also called themselves Morning Star Group. The village where they live is 35 km from the main capital town of Manipur. Jenlu, who is raising her hand, is the featured borrower profile member. Her husband's main occupation is cultivation and he cultivates in accordance with seasonal changes.

Jenlu's house is located in one of the main lanes in the village. The grocery shop is located facing the lane and farmers in the morning usually drops in at the shop to purchase local cigarettes (biri), betel nut and betel leaves to take with them to the field. She also sells essential and everyday household goods like cereals, rice, edible oils, detergent soap, detergent powder, dish wash, shampoo etc. While her husband is engaged in the field, she stays at home and manages the shop at the same time does her household chores. She cleans the house, cooks meals for the family and sends the kids to school. The village has very few shops and jenlu is determined to run the business successfully.

With the help of the Kiva loan, she will purchase more supplies for the grocery shop like three bags of rice, one tin can of edible oil, and other essential goods. She has plans to expand the shop and make a living. Cultivation will be difficult for both the husband and wife as they age and therefore, she is keen to make the shop as successful as it can be. She is happy and motivated to work with Kiva and wishes to continue working with the organization. She says, “thank-you so much Kiva”.

The rest of the group members are also engaged in piggery, weaving, farming and grocery shop 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.


About India

  • $4,000
    Average annual income
  • 186
    View loans »
    India Loans Fundraising
  • $5,200,500
    Funds lent in using Kiva
  • 61.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Morning Star Group's $1,975 loan helped a member to purchase more supplies for her grocery shop like rice, edible oil, and other essential goods.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 4, 2014
Apr 1, 2014
Currency Exchange Loss: