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Ruth Group
In this Group: Ngaihoi, Hoikhotin, Domneithem, Vungngaineng, Channu, Nengneilhing, Lhingneichong, Kimnei, Lhingneihat, Hoineikim
These hard working Tribal women call themselves by the group name “Ruth”. They all live in S. Laijang village in the state of Manipur which is in the North Eastern part of India. They formed the group in 2009, with an aim to generate income for themselves by accessing a loan.

Channu is one of the 10 members of the group and is pictured with raised hand. She is 30 years old and is a mother to three daughters. Two of her older daughters are studying at their intermediate grade in a private school nearby. Channu's husband is a hired auto-rickshaw driver, a kind of transportation ferrying passengers in and around the area. Channu’s previous activity before the loan was cultivating potatoes using the "jhuming" method of cultivation. Her activity could not be of much significance for supplementing the family income. Therefore she decided to open a general store for which reason she joined the group.

With her first loan in 2009, Channu opened a store of her own. She sells general items such as sugar, tea leaves, spices, salt, soap, toothbrushes, etc. With her second loan and with her profits she was able to expand her store by increasing her inventory. She is happy that she doesn’t have to wait for her husband’s return when the children need money for their school requirements such as pens, pencils, notebooks and so on. Now she manages the daily needs of the family with her income and save her husband daily earnings down to a rupee.

The family plans to buy an auto-rickshaw of their own for better income in the near future. Channu, along with her husband, means to provide a good environment and create a sound family atmosphere for the children's education. Now she needs another loan for her store business. She wishes to increase her stock in her general store.

Likewise, the rest of the group members too need another loan for their respective income-generating activities. Potato cultivation, cabbage cultivation, cow rearing, piggery and poultry farming are some of the activities of the group members.

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
  • 82
    View loans »
    India Loans Fundraising
  • $6,089,250
    Funds lent in using Kiva
  • 54.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ruth Group's $1,850 loan helped a member to buy stock to sell in her general store, such as rice, dal (lentils), sugar, milk powder, various kinds of soap, lightbulbs, spices, etc.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 20, 2012
Dec 11, 2012
Currency Exchange Loss: