Lhaingah, pictured with her hand raised, is the profile representative of the group. Since 1996, she has been living a widow's life. She is a mother to three sons and a daughter. All by herself, she shoulders parentat responsibilities trying to educate the children. She is very happy that now the two older children are on the verge of completing their graduation and the younger two are still pursuing their intermediate grade. She had done farming activities on rented land before her loan. Usually she would labor as a wage earner for extra income. In order to have a break, she abandoned the rented land to avoid paying high revenue to the landowners while she sweats.
In 2008 with her first loan, she bought two piglets to raise. In order to repay her loan, she sold one pig after four months to meet her loan liability. At the end of the year, the full grown other pig gave her a good income. With her second loan, she increased her production by raising four piglets. All her children help her by gathering waste food house to house for the pigs on a daily basis. From the sale proceeds of one pig, she bought pineapple saplings to grow in her homestead garden to sell at the market. In this way, she has been struggling to keep up and manage her children's education.
She always wanted to renovate her house's thatch roof to weather condition tin sheets and she has been saving but as usual, the savings will be used for the children's needs. She plans to execute her tin roof plans the following year, provided she is in good enough health to raise more piglets. Now she needs another loan to continue her piggery activities for better fortune. She will use the loan to buy at least four more piglets (preferably two female piglets for reproduction) to raise for profit. She also means to use part of the loan to buy new clothing for her younger children for the Christmas celebration.
Likewise, the rest of the group members too need another loan to supplement their income activities. Pineapple farming, poultry farming, vegetable farming and vegetable selling are the preferable activities that the group is engaged in.
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 loanDue 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 >
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.
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