Phakhochong and her family reside in a hilly region of Manipur in the northeastern states of India. She is married and blessed with three children. The eldest daughter is in beginner class, whereas the younger ones haven’t started schooling. Her husband is a cultivator by profession, and his income is unreliable and undependable. Therefore, the family’s sustainable resource is very scant.
Phakhochong wanted to engage herself in any income-generating business. However, since her kids are still young, they need extra care, and she could not neglect them. For the fulfillment of the required family expenditures, Phakhochong rears some chickens in her home yard. Her husband used to take the fully grown chickens to the market and sell them for more profit. Sometimes the villagers come and buy them from her house, too.
She wanted to raise more chickens and expand the poultry. However, the light irregularity in the village is a hindrance to her small-income business. During the rainy season, the power supply is very poor in the village; hence, the chickens used to die due to insufficient heat supply inside the coop.
Phakhochong wanted to avail a Kiva solar loan, with which she can buy a 45-watt mini solar home lighting system to light up the poultry at night and also to keep the chickens warm during the rainy season. Since it can light up 4 light bulbs for 12 hours a day and has a 90-meters-long wire, it can be installed in any four adjacent rooms as per the user’s convenience.
With the little profit she gets, Phakhoneng will use the money to manage her family’s expenses. She also wanted to save a little amount from the income for her children for their future use.
Likewise, the rest of the members, too, want to avail a solar loan for their own respective income-generating business activities, such as a grocery store, vegetable vending, and also for their children so that they will be able to study in the evening by the light of these solar systems.
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!