In spite of her difficulties, she is determined and happy that she could at least sustain the family and send her niece and nephews to school. Nenglam’s source of income is brewing local wine and selling it for a profit. In order to supplement her income, every night before going to bed, she weaves clothes to sell. She is thankful to her sister-in-law for helping her in the weaving business. With the income she gets from the business, she pays her brother’s children's school fees and manages the household expenditures.
Nenglam wants to avail a loan to buy mini solar home lighting of 45 watts for 1,2173 INR to be install in her house so that she can extend her business hours in the evening and night. It is very difficult to weave at night without proper lighting. She believes that this solar home light will make a great impact in her business.
Likewise, the rest of the group members requested a solar loan to improve upon their respective income-generating activities, which also include weaving, variety store and agriculture.
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!