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Rose Group
In this Group: Lamlhing, Kimsy, Lhingkim, Hattinneng, Nemkhohat
Kimsy owns a drug store in the village, which is about 2 ½ km away from the town market. The town is about 40 kms from the city, capital of Manipur, which is one of the northeastern states of India. Kimsy belongs to "Rose" group and she is the featured borrower for the group. She is pictured with her hand raised. Kimsy is married and blessed with one child.

Her husband is a farmer and during off seasons, he helps Kimsy run errands for the drug store. Kimsy has been running a drug shop for more than a couple of years in the village where she resides. She usually gets the drugs from the main city wholesalers and sells them in the village with a little profit. Her purpose for running the drug store is to facilitate the villagers with first aid supplies and also to earn an income. Having not access to hospitals and clinics in the village, villagers are ensured of buying the essential drugs that she stocks in the shop. The Primary Health Center in the village is defunct due to irregular attendance of the staff. The villagers and neighboring villagers ask for first aid supplies in Kimsy’s drug store before they visit hospitals in the main capital city, Imphal.

Since her drug store serves customers till late hours she wants to install solar to provide better lighting and to extend her working hours. The power supply is very irregular and frequent load shedding prevails in the village. She has to use other alternative lighting devices to light up her shop which means she has to spend an extra amount from the income she gets. Therefore, Kimsy believes that owning a solar lighting system will help her in reducing the expenditures and at the same time make her work more comfortable and easier at night.

The presence of Kimsy’s drug store has been a relieving factor for the villagers. They can now purchase any first aid kits, antibiotic, cough syrup, etc. which are available at her shop, and that saves the villagers the fares spent going to the town market. The rest of the group members too needed solar systems for their respective income-generating activities and for household use.Their activities are a variety store, vegetable vending and weaving, etc..

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
  • 1
    View loans »
    India Loans Fundraising
  • $4,390,650
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Rose Group's $1,025 loan helped a member to buy a 45-watt mini solar home lighting system to install in her chemist's shop to stay open for longer hours.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jun 25, 2014
Listed
Jul 22, 2014
Currency Exchange Loss:
Possible