A loan of $1,850 helped a member to buy another permit for a portion of the riverbed to extract sand to sell..


Apunba Chanura Group's story

This is Apunba Chanura Group consisting of 10 members. These hard working Meitei women belong to a non-tribal community. They come together to support one another and live in a small village on the outskirts of Imphal East in Manipur state, which is in the Northeastern part of India. Premeshori is the profiled member pictured with her hand raised. She is 30 years old and is a mother to three daughters and two sons. Her husband is a hired carpenter by profession. The three older children go to a private school nearby. In order to supplement the family income before the loan, she earned an income by weaving Manipuri traditional clothes for others. She was paid for weaving only. With her first loan in 2010, she continued her weaving activities by buying yarn with the loan. She managed to earn just enough profit to repay her loan liability. With competition in the market, she could not keep up with the challenges. With her second loan, the group members decided and agreed upon joint and common activities for profit motives. The group decided upon sand sieving (Quarrying) from the riverbed. They invested the loan of INR 80,000 to buy a permit for a portion of the riverbed to extract sand use for construction. The remaining INR 20,000 was shared equally among the members for their personal use. All the members work together at their owned site. The sale proceeds were shared equally by all the members. Sometimes the group was able to share the profit daily or on alternate days, depending on the business. From this share of profit, Premeshori bought two piglets to raise for her own. Furthermore, she invested INR 100 daily towards the group saving and another INR 500 on monthly savings managed by local investors. In this way, she means to do well for the family and supplement the family income.

Likewise, the rest of the group members too undertook different activities to supplement their income apart from the joint activity of sand sieving business. Small it may be, but with the profit, some members started poultry farming, raising ducks, running a paan corner, buying yarns for others to weave and so on.

Now the group needs another loan to continue with their sand sieving business. The loan will be use to buy another permit for a portion of the river bed to extract sand to sell.

In this group: Premeshori, Jamuna, Amubi, Mukta, Khomdon, Subita, Kamala, Mala, Ibecha, Shabitri
*not pictured



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