Kamdou Veng Group
Niengneiting is a mother to a son and three daughters. She lives with her parent-in-law and her husband. Her husband, Henminlen, is a passenger auto driver by profession. He drives in and around the town. Two of her children are in beginner’s level and the oldest one in primary level. Her husband earns around 400-500 INR per day. The family's income is very scarce. Her husband’s business could never be of much significance in terms of profit calculation.
As they could not manage the family’s expenditure with just the meager income of her husband Niengneiting took the initiative to generate income by weaving traditional shawls and wrap-around skirts for ladies. Niengneiting said, “I have never had the chance to complete my higher education because my parents were too poor. Thanks to my mother, who taught me how to weave, today I can at least provide food and clothing to my new family through weaving. Every day before I sleep, I pray for my mother’s blessing so that I may weave enough to support my children to complete their higher education.”
She has been weaving using the back strap, which in the long run causes back problems.
For the improvement of her business and her children’s study, Niengneiting wants to avail a loan amounting to 12173 INR for a 45-watt solar light. Niengneiting says many villages where solar lights are installed see an increase in their economic activity levels. Installing solar lights in villages allows businesses to operate during the evening and night time. Therefore she believes that solar electricity will helps promote her enterprise as she can use the system to provide lighting to operate during the evening and night.
Like her, the rest of the group members also need solar home lighting for their respective income-generating activities and household use. Their main activities are weaving, variety shop, grocery store and the like.
More information about this loan
This loan is part of WSDS' effort to promote solar energy and make it affordable for low-income households. It will be used to purchase a solar home lighting system and targets some of the most rural and remote parts of northeast India. These villages either do not have electricity at all or lack reliable electricity. By funding this loan, you are helping to provide lighting to households while also promoting green energy products and helping individuals reduce their energy expenses.
Important note about this loanDue 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 >
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.
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This loan has been fully funded!