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Panthoibi Group
In this Group: Dhaneshori, Baruni, Sana, Pasot, Jamuna
In 2010, these five hard-working Meitei women formed a group called “Panthoibi”. They live in a small village at the outskirts of Imphal East in the state of Manipur which is in the North Eastern part of India. In order to supplement their family incomes, they came together as a group to help one another to access loans.

Pasot is the profiled member and is pictured with raised hand. She is 36 years old, a mother to three children, and lives with her husband, who is a workshop mechanic for two-wheeler vehicles. All her children go to a private school at the nearby town. She is very happy and determined to provide a good learning platform for her children. Before her loan she was a mere housewife. She just had to be content with the income that her husband brought home. With much persuasion, she talked her husband into letting her join a 5-member group to access loans.

With her first loan she partnered with one weaver for profit-sharing. She bought yarns for the weaver to weave. Then she would sell the woven traditional clothes at the main market. With her second loan she continued with the trade on a wider scale by purchasing finished products to increase her supply at the main market. With part of her loan she opened a small tea stall which was open in the morning till 9:00 am and in the afternoon from 3:00 pm to 5:00 pm, for her convenience. In her tea stall she serves only tea and 'puri'. As it turns out, she has been making better progress with her tea stall business than her other business. Eventually she began opening her tea stall for longer periods and it became her main source of income as well as for the family because her husband began helping at the tea stall. It has been quite some time now that her husband quit the mechanic work and engaged in the tea stall/catering business.

Now Pasot needs another loan to continue with her tea stall. She wishes to upgrade her tea stall with better arrangements for the customers to sit down. She also wishes to find a replacement for her husband. She means that her husband should continue with his mechanic's skill to increase the family income.

Likewise, the rest of her group members too need a loan to do better with their respective businesses.

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
  • $6,682,200
    Funds lent in using Kiva
  • 54.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Panthoibi Group's $925 loan helped a member to buy more tables and benches to expand her tea stall.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 3, 2013
Jan 1, 2013
Currency Exchange Loss: