A loan of $2,200 helped a member to increase the inventory to sell at the store, introducing new items such as synthetic shawls besides the traditional shawls.

Ruth Group's story

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.

In this group: Hatnu, Heshi, Hoineo, Nengboi, Hatlhing, Veichin, Lhingkholam, Chongbem, Neilhing, Hevei, Chongchaboi, Lhaineithem

Loan details

Lenders and lending teams

Loan details