Geeta is a mother to a son and a daughter. She lives with her parent-in-law and her husband. Her husband, Mazatpou, 32 years old, is a cultivator by profession. Her 8-year-old son goes to school at the nearby village, which is about 3 km in distance. The family's main source of income is through her weaving of traditional shawls and wrap-around skirts for ladies.
Her husband’s banana farm could never be of much significance in terms of profit calculation. Geeta 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. With the loan of INR 10,000 and with some of her savings, she plans to purchase one hand loom (a simple machine to weave) and employ two more to assist her in order to meet the high demand for her products.
The rest of the group members are mostly on the wrong side of their 60’s but still working very hard in order to survive. Most of them are abandoned parents. The group's plan is that the older one will invest together on ginger plantation.
More information about this loan
This loan is part of WSDS's effort to reach some of the most underserved parts of India's troubled northeast region, where there is very poor penetration of both formal and informal financial services. By supporting this loan, you are enabling access to finance for women living in some of India's most remote areas.
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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