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Ngailut Dailou Group
In this Group: Lhingjanei, Nengjoujam, Lhaineng, Nemjalam , Ngahnei
Ngailut Dailou, which stands for “The Eternal Love”, is the name of the group and Lhingjanei is the featured member. She has her hand raised in the photo. “It is hard growing up without a father, but its easy when you have a fantastic mother who plays both roles” was the word of her only son who is married with kids. He’s a graduate and a very responsible person.

Lhingjanei sheepishly quotes that “Chickens are her lucky charm” as she had tried her hands on other income-generating activities that ended in vain. Chicken selling gives her more of what she wants and makes good money when she sells them in the market. She has been into this chicken selling business for many years. She raises them in her home yard and takes the fully-grown chickens to the bi-weekly market, which falls on Tuesday and Friday.

With the loan, she will buy chicks, feed and materials to construct a bigger chicken coop. She will continue her chicken selling business and will try to do some savings with the group members. This savings will be beneficial when Lhingjanei is not in the position to earn or engage herself in any form of income-generating activity. She also shares that her savings will act as a pension when she gets old.

The members say, “Kiva is a blessing in disguise for our group and we are looking forward to them helping us. We will also try our best to work in unity and always keep our words. Long live Kiva”.

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 Ngailut Dailou Group's $925 loan helped a member to buy chicks, feed and materials to construct a bigger chicken coop.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 20, 2013
Mar 10, 2013
Currency Exchange Loss: