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Aquila Group
In this Group: Chingzahoih, Ngaihlun, Lamkim, Doiting, Kimngailian
Doiting, with raised hand in the group photo, is the profiled borrower. She is 53 years of age and is a mother to seven daughters and three sons. Five of her older daughters have married and now she lives with five children and her husband. Her husband cuts timber and supplies a carpentry workshop. So, her husband spends most of the time in the forest and visits the family on the weekend only. Before she accessed loans along with her older daughters (before they were married), she worked as a daily wage earner to meet the financial needs for the family. She is determined to educate the younger children and very happy that they are doing well with their studies. With her first loan she ventured into selling vegetables as a business. She barely managed to repay her loan. However things changed for the better with her second loan. With great determination, she used her second loan to buy fresh and organic vegetables.

Now she needs another loan to help her husband as well as for her own business. She will use part of her loan to hire labour to saw the timber logs into planks and the remaining loan to stock vegetables such as mustard leaves, fresh peas and local vegetables grown here in Manipur (sample local vegetables can be seen in the photograph). She will sell these vegetables in the market.

Likewise, the rest of her group members too have requested another loan to stock their inventory. These five hard-working tribal women join hands to help out one another and they are popularly known as AQUILA group. They all live in Churachanpur, in the state of Manipur which is in the Northeastern part of India.

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
  • 7
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 55.5
    India Rupees (INR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A portion of Aquila Group's $925 loan helped a member to hire labour to saw logs and to stock vegetables such as mustard leaves, fresh peas and special Manipur vegetables.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 1, 2012
Dec 2, 2012
Currency Exchange Loss: