A loan of $1,850 helped a member to increase the store inventory of rice, potatoes, and dal (lentils).


Sarah Group's story

In 2009, these 10 hard-working tribal women came together to help one another and form “Sarah Group”. They are all happily married and live in a small village at the outskirts of Senapati District in the State of Manipur located in the North Eastern part of India. Hoineikim is the profile member pictured with raised hand. She is 28 years old and is a mother to a son and two daughters. Her husband is a farmer by profession and often collects stones from the river to sell and earn income for the family. In order to supplement the family income, she joined the group to access loans. With her first loan she initiated a small store. In her store she sells sugar, milk-powder, 'paan', cigarettes, chewing tobacco and eatables. She managed to repay her loan from the profit and from time to time add to her husband's scanty income. With the second loan, she increased her store's stock and expanded her store with newer varieties to sell. She made progress because her income in terms of profit is doublefold. She was in a position to support her two older children's education and managed the family expenditures all from her business. She also started saving INR 500 on a monthly basis. The saving is done with a group of 30 members. Every month one member gets the collected amount and it continues till every member gets the collected amount. This is one of the trends that poor people here use to somehow try to meet their capital needs. Hoineikim together with her husband wishes to buy one buffalo for his farming activities and reduce ploughing expenses and also to earn income when ploughing other fields and charging a fixed rate. She also dreams to support her children with good education facilities and for that she means to save as much as possible and is determined to do a good business for the future. She needs loan to expand her store business. She wants to stock groceries items to sell such as potatoes, dal and rice for that matter. Likewise, the rest of her group members too need loan to facilitate their respective income activities. Among the group, four members undertook piggery farming, Two members do weaving, and another two members raise goats to sell and one member sells clothes.

In this group: Jangvah, Neikholhing, Kimlhing, Neikholam, Kimneichong, Nengkhovah, Lhingneichong, Hoineikim , Lheikhohoi, Lhingkhovah
*not pictured



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