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Joujam Group
In this Group: Kimneihoi, Lhingboi, Santi, Jolly, Moinu
Kimneihoi is 37 years old, married, and has four boys. Kimneihoi is the featured borrower member of Joujam Group and she is pictured with her hand raised.

She and her husband sieve sand on the riverbank, which is close to the village, to make a living. Kimneihoi used to run a paan shop a couple of years ago, but it failed to succeed. The paan shop was closed down because customers did not pay back their debts and the shop couldn’t be managed anymore.

Kimneihoi and her husband sieve sand/stones to earn money. The riverbank where they work is taken on rent for sieving purposes from the land owner at a high rate. They contribute equally with other sand sievers for the land and the excavator/loader because the rate for hiring the land/excavator is high and it is not affordable by only one person. They work under the scorching heat of the sun and there is no substitute for their business. They work as a team with other miners and share the profits.

Kimneihoi says, “We cease work during the rainy season because water current is high and water level rises, which is risky.” They usually go back to work once the water level has decreased and the riverbanks are dry. They halt their activity in case of sickness and natural calamities but work almost all throughout the year. Their life does not allow for sickness.

Kimneihoi believes that with this loan, she will be able to contribute for another plot of land and the excavator/loader. This will eventually enable both of them to work harder and earn more. She is happy because she is able to get the financial help from a distant world. She wishes them victory and good wishes in their life.

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
  • 4
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 54.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Joujam Group's $925 loan helped a member to pay for a share of a rented plot of land for sieving.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2013
Apr 2, 2013
Currency Exchange Loss: