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Emoinu Group
In this Group: Bimola, Ibecha, Akashini, Nupimacha, Pramo
This is the Emoinu group, which consists of five members. With the same economic background, these five Meitei women came together to help one another to obtain a loan and try to supplement their family income. They all live in a small village on the outskirts of the Imphal East district in the state of Manipur, which is in the northeastern part of India. It takes about 45 minutes to drive from the main city of Imphal.

Bimola is the profiled member pictured with her hand raised. She is 31 years old and a mother to two daughters who are still studying in a private boarding school in the neighboring town. Her husband is a farmer by profession with no source of regular income. In order to supplement the family income, with the help of her parents, she managed to open a small shop on a small budget. In her shop she sells paan, cigarettes and the like, and a few eatables like chips. This is the way she tried to earn an income before her loan activities.

With her first loan in 2010, she expanded her store. She used the loan to extend her store to room size. With part of the loan, she stocked the store with cooking oil, onions, tomatoes, spices in satchets (meat masala, turmeric powder, ginger, chili) and potatoes and sold them at a profit. She was able to repay her loan without any problem. With her second loan, she was able to purchase stock in greater quantities and she brought in more items such as washing detergents, sugar, milk packets, cell batteries and daily use items. With the money she saved, she started selling vegetables in the morning and afternoon such as coriander, cauliflower, cabbage and locally found vegetables while her husband did the cooking and managed the store in her absence. She is very happy with her husband's helping nature. She is in a better position to support her children with their educational requirements. Above all, she is happy with all the appreciation that she gets from her parents with the good start that she has.

She has been saving and in the future, she plans to purchase one minivan to service as a passenger carrier between Imphal. She needs a loan to continue with her selling activities. She will use the loan to increase her store stock to sell. Likewise, the rest of the group members need this loan to do better with their income-generating undertakings. The members’ activities are sand sieving, local wine vending, vegetables vending and weaving traditional clothes, respectively according to their earning convenient.

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
  • 3
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 54.9
    India Rupees (INR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A portion of Emoinu Group's $925 loan helped a member to buy more stock to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jan 5, 2013
Jan 7, 2013
Currency Exchange Loss: