A loan of $1,475 helped a member to purchase pineapple saplings to cultivate and sell for profit.


Tomngai Group's story

This is Tomngai group, which consists of eight members. These hard working Tribal women live in a small village on the outskirts of Senapati district in Manipur State located in the Northeastern part of India. This part of the state still lacks developmental programs, which is why these women came together as a group in 2008 to help one another to take a loan. Nengneilam is the group leader. She is pictured with her hand raised. She is 39 years old and a mother to four sons and a daughter. All her children go to a private school nearby. Her husband's main source of income comes from cutting wood, which is a time-consuming process to turn into money. In order to supplement the family income, she took a loan to bridge the gap of cash flow by undertaking income-generating activities. With her first loan in 2008, she bought 3,000 pineapple saplings to grow at her farm. It takes three to four months time to harvest. With the sale profits, she was able to repay her loan and attend to the family needs such as the children's schooling fees and needs. With her second loan, she managed to cultivate on a larger scale. She purchased more pineapple saplings to increase her production. Effortlessly, she met her loan liability and with the profit, she, along with her husband's help, built a new house to live in, which is under construction. Together with her husband, she plans to provide a good education to the children. At first, her husband was indifferent to her taking a loan. Now she is very happy that with the success that she had, her husband is willing to support her in sharing the loan responsibility. She is all the more excited that her husband actually suggested that he take the responsibility of tending the farm for her next cultivation. Now she needs another loan to continue with pineapple cultivation. She will use the loan to buy more pineapple saplings to cultivate. She hopes that she enjoys a good harvest like the previous harvest and with the profit to spare, she means to finish building her house, which is half done. Likewise, the rest of the group members too needed another loan to continue to benefit from their respective income activities. Pineapple cultivation comprises most of the activities of this group. One member has a piggery and another member opened a general store to generate income.

In this group: Chinchong, Nengneilam, Lhingneo , Chinneng, Phalneilhing, Veitin , Lamlhing, Vahlhing
*not pictured



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