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Thambalkhong Mayai Leikai Group
In this Group: Gambhini Devi, Lata Devi, Santi Chanu, Ibetombi, Chandrasakhi, Manileima, Memi, Indumukhi, Priyalakshmi, Roshni
Gambhini is a single mother with a son. She is pictured with her hand raised. Gambhini is the featured member of Thambalkhong Mayai Leikai Group. She runs a variety store in her village. She started her business with a very small amount of capital by selling paan, local cigarettes, candy, toffees, dried tobacco packs and vegetables like potatoes, onions and garlic. Her variety store is a winner in the village. People gather around the clock to buy things from her. Gambhini is very prudent with her daily expenses, so she has been able to save and restock with rice, sugar, vegetable oil, detergent soaps and detergent powder. Gambhini’s only son, who is 17 years old, also helps her run the variety store when he is on vacation.

Gambhini joined the group savings and contributes monthly. She is delighted to share this because she used to admire the other group members who were in a position to have savings in the group whereas she was not. With the upcoming loan, she wishes to stock more supplies in the store and hire someone to run errands for the store. She plans on this because she believes that this will enable the villagers not to travel all the way to the marketplace for small items like salt, sugar, etc., which will eventually be to her benefit.

Likewise, the other group members are also busy in their businesses and are working hard. Their businesses include weaving, tailoring and embroidery. They are hopeful for better and bigger outcomes in the days to come if Kiva continues to loan to them in the future too.

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
  • 106
    View loans »
    India Loans Fundraising
  • $6,147,900
    Funds lent in using Kiva
  • 54.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Thambalkhong Mayai Leikai Group's $2,775 loan helped a member to purchase more supplies for her store for refills.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 20, 2013
Mar 10, 2013
Currency Exchange Loss: