A loan of $1,850 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.


Ruth Group's story

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.

In this group: Ngaihoi, Hoikhotin, Domneithem, Vungngaineng, Channu, Nengneilhing, Lhingneichong, Kimnei, Lhingneihat, Hoineikim
*not pictured



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