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Naomi Group
In this Group: Rengchongnei, Jahonghoi, Warpi, Seikhosem, Janeichoi
Naomi Group was formed in 2010 and is comprised of 5 women members. All the members live in the same village by the name of Nungsai Chiru Village in the Senapati district of Manipur which is in the North Eastern part of India. The one and only reason why the group was formed is ‘coming together to help one another and supplementing family incomes by accessing loans’.

Jahonghoi is the profiled member pictured with raised hand. She is 42 and has a son and a daughter, who are both being sent to a private boarding school for a better education. The school is located some 40 kms from her native village. Her husband, who is a peon by profession, works at the village water supply office. His monthly wage (salary) is just enough to manage their children’s boarding school costs. In order to supplement the family income, Jahonghoi has taken up the business of buying and selling firewood. She buys firewood wholesale from one place and sells it retail to different places. Though the business can be expanded, she has to stick to her capacity because she cannot afford it financially. With some profit she earns, she is helping her husband in keeping the family going. This was how she tried to earn income before she accessed loans.

With some part of her first loan in 2011, she was able to expand her firewood business to some extent. With the remaining part of the loan, she managed to add some more activities to her business like selling vegetables and bananas as she found favorable with time and place. Adding more activities was also quite helpful as they could be done on a daily basis. She still wants to expand her business based on a daily, weekly and monthly basis because she finds that her income flow was better and it also helps her in repaying her loan. In order to keep her business running, she has requested another loan.

The other group members are engaged with growing and selling spring onions. They have successfully utilized the first loan and have earned benefits financially which help them in generating income to support themselves and their respective families. To continue with their business, they are awaiting another 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
  • 1
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Naomi Group's $950 loan helped a member to buy a lot of firewood and sell it for a profit.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 4, 2013
Currency Exchange Loss: