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Golngai Group
In this Group: Hoilam, Hevei, Chongnu, Helhing, Nemneichong, Nengneihat, Tinkholhing, Nemneihoi, Neipi, Hoimong
Golngai group was formed in 2009 and has 10 members. The literal meaning of "Golngai" can be closely translated as “besotted friend”. These tribal women belong to Kholep village of Manipur state, which is in the northeastern part of India. In order to empower themselves and contribute to their family incomes, they mean to help one another to get a loan as a group.

Hevei is pictured with her hand raised. She is 38 years old and a mother to three sons and one daughter. Her husband, Seikhohao, earns money as a wood cutter. With a tight budget, they barely manage their children's schooling. She grows a homestead garden for food. Before she got a loan, she would work doing anything for a day’s wage. There are times when she has to baby-sit and wash clothes to get paid. The nature of her work as a wage earner began to have an adverse effect on the children. Since then, to protect her children's emotions, she got a loan to make a difference in their lives.

With part of her first loan, she bought piglets and yarn to weave. She weaved three shawls in a month. With her second loan, she continued her activities and she was happy that she actually earned more than her previous daily wages. She actually bought a TV using her income, which made her children very proud. She said, “The day I bought the TV, I felt like I was on top of the world. It may sound funny for others but for me and my family it is a great achievement”. Eventually, her activities became the source of the family income. She has contacts and plans to supply the woven shawls and wrap-round at a large scale to retailers of the same products.

She needs and requested another loan from Kiva to improve upon her weaving activities. She wishes to continue weaving for her main source of income. She plans to utilize the loan to purchase one handloom (a simple machine to weave) and to buy yarn of varied quality to weave. Raising pigs is a long-term profit source, which she conveniently wishes to continue. This can serve as a backup plan for any emergency.

Likewise, the rest of the group members, too, need and requested another loan to do better with their income-generating activities. The group is very happy to know that their loan comes from all around the world. The members pray for God’s blessing for everyone who has lent their money to make a difference in their lives.

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
  • 84
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 55.3
    India Rupees (INR) = $1 USD

Success!! The loan was 100% repaid

A portion of Golngai Group's $1,825 loan helped a member to purchase one handloom (a simple machine to weave) and buy yarn of varied quality to weave.
100% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Nov 19, 2012
Nov 21, 2012
Currency Exchange Loss:
Apr 7, 2016