A loan of $1,650 helped a member to buy fresh stock to sell at her store.

Nupi Sintha Group's story

This is the Nupi Sintha group, which consists of nine members. They belong to a non-tribal community and live in a small village on the outskirts of the Imphal East district in Manipur state, which is in the northeastern part of India. This part of the state is famous for brewing local wine and the flavor can closely be associated with that of Tequila and Vodka.

Memcha is the profiled member pictured with her hand raised. She studied up to class VIII. Now she is 51 years old and is a mother to a daughter and two sons who are already in their late 30’s. All her children are school dropouts due to the poor conditions of the family. Her husband is a farmer by profession and is a daily wage earner. In order to supplement the family income, she has been running a pickle store with a small budget to earn income. Due to insufficient capital, she can never upgrade her store with other products to sell other than a few eatables and self-made pickles.

In 2010, with her first loan, she bought stocks to sell for profits. She used the loan to stock grocery items to sell such as onions, tomatoes, dal, cooking oil, fermented fish, sugar, milk and varieties of eatables. Her wish to expand her store business was fulfilled, for which she is ever grateful. With the sale of the store stocks, she collected larger profits that she used wisely. With her second loan too, she bought store stock to sell. With the saved profits, she renovated her store by making proper shelves to stack the items. Apart from the loan liability, she was able to save as much as INR 700 per month by way of local savings with 25 other members, where the total money collected monthly is utilized on a rotating basis.

Since her children are coming of age, she wishes to build and provide a good house for them. She also plans to purchase a paddy field for the family's sustainability, where she can keep her two sons engaged and busy with something useful. With the expansion of her store business, she let her daughter manage the store while she helped her two sons with their quarrying activities to increase their income.

She needs another loan to continue with her general store business. She will use the loan to stock fresh products to sell at her store. With steady improvement and with the loan, she is making progress towards expanding her store. Likewise, the rest of the group members too wish to do better with their respective income-generating activities.

In this group: Memcha, Chandrabi , Senubi, Sorojini, Ito, Ranjita, Dhani, Sunita, Rojita

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