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Quarter A Group
In this Group: Themkhochin, Hatpi, Nemkhohat, Nengneithem, Hatkhotin, Lhingneiching, Lhingneiting, Hoinu, Nengneikim
Young and vibrant yet mature and hard-working is Hatkhotin who hails from a small town on the outskirts of Churachandpur in the Northeastern state of India. Hatkhotin is the featured member of Quarter A pictured with raised hand. This group’s main purpose in coming together and forming a group is to raise their economic and living standard by accessing loan for a mini 45 watt solar lighting worth 12,173 INR. Hatkhotin being the representative of the group shared about the grievance of not having access to regular power supply in the town. She cannot run her business till late hours due to irregular electric supply and frequent load shedding. This forced her to divert a considerable share of means to the purchase of another alternative lighting device. As the family lives only on the pension of her grandfather it is difficult for them to spend an extra amount on another alternative device.

Hatkhotin used to teach in a local private school but the amount she gets as a salary could not meet the expenses of the family. Therefore, in order to supplement her income Hatkhotin resigned from the teaching job and opened a variety store near her house. She says that she earns a profit of around 400-500 INR per day. She says she gets lot of free time to do side business while running the store, too.

Hatkhotin wants to access a solar loan to buy a 45-watt solar home lighting system which will light up 4 light bulbs for 12 hrs a day. Since it has 90 meters of wire, it can be install in any four adjacent rooms in the house or as per user’s own convenience. Mobile phone charging can be more hassle free unlike depending only on the conventional electricity to charge the phone. With the help of the solar loan, Hatkhotin expects to get more income by opening her store till late in the evening.

Likewise, the other group members are also busy in their businesses and are working hard. Their businesses include weaving, tailoring and a variety store. They will all use the solar light in their activity at night. They are hopeful for better and bigger outcome in the days to come, if Kiva continues the good work towards them in the future, too.

Additional Information

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 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

  • $2,900
    Average annual income
  • 19
    View loans »
    India Loans Fundraising
  • $4,519,250
    Funds lent in using Kiva
  • 60.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Quarter A Group's $1,825 loan helped a member to own solar lighting to install in her variety store so as to open for longer hours at night.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jun 6, 2014
Listed
Jul 22, 2014
Currency Exchange Loss:
Possible