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Sarah Group
In this Group: Jangvah, Neikholhing, Kimlhing, Neikholam, Kimneichong, Nengkhovah, Lhingneichong, Hoineikim , Lheikhohoi, Lhingkhovah
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.

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
  • 97
    View loans »
    India Loans Fundraising
  • $6,138,650
    Funds lent in using Kiva
  • 54.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sarah Group's $1,850 loan helped a member to increase the store inventory of rice, potatoes, and dal (lentils).
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 5, 2013
Jan 3, 2013
Currency Exchange Loss: