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Ruth Group
In this Group: Hatnu, Heshi, Hoineo, Nengboi, Hatlhing, Veichin, Lhingkholam, Chongbem, Neilhing, Hevei, Chongchaboi, Lhaineithem
In 2010 these 12 Tribal women created a platform for themselves and formed a group called Ruth. They all reside in Saikul town in Manipur state which is in the North Eastern part of India. In this part of the state, people still struggle to have ways and means to earn their livelihood.

Hoineo is one of the 12 members and she is pictured with a raised hand. She is a mother to two sons and one daughter and she is 28 years old. She attended school up to the primary grades. She is happy that all her children go to a private school nearby. Her husband is a private paid driver and the sole income earner for the family. In order to supplement the family income, she has been selling clothes for the past 5 years. In order to expand her business she joined the group to access loans.

With her first loan back in 2010, she bought shoes for ladies as well as kids to sell at her store. With her second loan onwards, she began saving INR 500 on monthly basis after meeting the necessary expenditure such as house rent. Now she can run the household budget from her earnings and save her husband's income in totality. She is very happy that she is doing well for the family and helping her husband with regards to earning capital for the future. She plans to buy a plot for her store in future.

Now she requested another loan to increase her inventory to sell. She means to introduce new items such as synthetic shawls besides the traditional shawls. She will also buy more shoes, socks, handkerchiefs and the like to sell for school-going children for the new session.

Likewise, the rest of the group members too requested another loan to continue with their activities. Yarn store, piggery farming, tea stall, weaving, sale of used clothes, 'paan' shop, and grocery stores are some of the activities of the other members.

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
  • 106
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 54.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ruth Group's $2,200 loan helped a member to increase the inventory to sell at the store, introducing new items such as synthetic shawls besides the traditional shawls.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 21, 2013
Jan 7, 2013
Currency Exchange Loss: