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Saving Life Group
In this Group: Nemneichong, Zelkhoman, Manvung, Chinglianmoi, Zaniang
In 2010, five like- minded tribal women from Sirou village in the state of Manipur in the northeastern part of India came together to form a group called Saving Life. They guide and help one another to empower themselves in their businesses and help improve their lives. Hence, the “saving life” concept was born.

The one with her hand raised is Zaniang and she is the group leader. She is 43 years old and a mother of two daughters and one son. She lives in a rented room with her two children. In 2007, her husband was electrocuted and died. Since then, she has looked after her children alone and shouldered the responsibility of marrying off her eldest daughter and providing an education for the younger siblings. Her main source of income comes from working as a quarry worker. It takes at least five days to quarry sand to sell from the river bed. Life was not very easy for her until she and her friends came together to help one another
With experience from her quarry work and her first loan of INR 5,000, she began to supply sand to contractors undertaking construction work. This was the turning point in her life. In due course, she became known to contractors of varying grades. Apart from the sand, she also supply bricks and cement as required and demanded. She is very happy that her children are attending school and hopes that they will get a white color job for their career. She also plans and wishes that someday soon she will have a house of her own.

Now she needs another loan to construct a small godown (warehouse) to stock cement. She will use the loan to buy building materials such as tin sheets, planks, nails, and waterproof wallpaper and to pay labor charges. Having said this, she plans to stock and sell cement at all times. She believes that she will do well in her business because of the good will that she already earned among the builders in and around town.

Likewise, the rest of the members are also working very hard to supplement their respective family incomes. With the festival season looming ahead, they need another loan to supplement their stock in their garment sales and charcoal businesses.

Additional Information

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 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

  • $4,000
    Average annual income
  • 36
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 54.7
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Saving Life Group's $1,850 loan helped a member to buy building materials such as tin sheets, planks, nails, and water proof wall paper and to pay labor charges.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 20, 2012
Nov 13, 2012
Currency Exchange Loss:
Apr 7, 2016