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Tharo Group
In this Group: Thethem, Mema, Ibemcha, Rajani, Nanao
Thethem belongs to Tharo Group. She is pictured here with her hand raised. She lives with her husband and two children in a small village in Manipur, Northeast India. Jimmy, her husband, works for a meager income in the construction of houses. In order to supplement the family income, Thethem has been running a paan dukan (corner shop) near her house. However, due to lack of capital, she was not in a position to fill her shelves, so she lost some of her customer base. In order to attract more customers, she wants to use a loan to increase her shop’s stock of a variety of items including snacks, tobacco and other household essentials like matches, candles and soap.

Since her eldest child will start school this year, Thethem hopes that making good use of this loan in her business will help her support this education. Moreover, she and her husband are hopeful about her venture.

Likewise, the rest of the group members need a loan for their respective activities which are selling and supplying vegetables and running tea hotels.

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
  • 120
    View loans »
    India Loans Fundraising
  • $6,155,000
    Funds lent in using Kiva
  • 53.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Tharo Group's $1,025 loan helped a member to buy materials and items for a paan shop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2013
Feb 17, 2013
Currency Exchange Loss: