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Esther Group
In this Group: Nemjaneng, Kimneng, Chinlhing, Phalneikim, Nemneilhing, Veinem, Neikholhing, Chinneineng, Nengjahoi, Nemthenchong
Esther Group is comprised of ten women members who are residents of T. Mangjol Village. The village is located on the western outskirts of Imphal, capital of Manipur, which is one of the seven-sister states in North East India. These destitute tribal women have committed themselves to finding means to strengthen and sustain themselves and their families for which purpose the group has been formed.

Kimneng, the one standing with her hand raised in the picture, is the profiled member. She is 35 and a mother to five school-going children, three sons and two daughters. Her husband makes furniture, which is the main source of income for the family. Her husband being the lone breadwinner for the family, it has been quite difficult for the parents to raise their children. To assist her husband, she is determined to find a way to make some earnings from any source available.

In 2009, financially assisted by WSDS, she started her business in charcoal. She bought bags of charcoal from different people living in and around the village at lower rates and sold them in the main market at higher rates. This profited her and because of this earning, the financial condition of the family was improved. On the other hand, for customers who are not able to pay the price on the spot, she extends credit facility on a monthly basis and this in turn gives satisfaction to the public in general. This time, she is planning to expand the business by buying more bags of charcoal and also supplying it to more areas including those which she has not reached yet.

Not only her, the other members are engaged in piggery and selling vegetables, rice, milk, soap and detergents. Each member has been successful in their respective business and also has fully repaid their loan.

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
  • 92
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Esther Group's $1,875 loan helped a member to buy bags of charcoal and sell them at a profit.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 1, 2013
Currency Exchange Loss: