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Nupi Lom Group
In this Group: Neipi, Nemneng, Nenglhing, Heneo, Naocha, Nengkim, Nemneihat, Thempi, Nengbem
Heneo is 45 years old and belongs to Nupi Lom SHG group. Heneo is the featured borrower member with her hand raised. The literal meaning of “Nupi Lom” is women’s group. Nupi-Lom group comprises nine hardworking and determined women.

Heneo sells yarn in a shop which is located in the main district market. She started her business when she availed a loan for the first time from WSDS, and she is still continuing it. She gets the yarn supplies from the main market in the city and sells them in the town market.

Heneo is doing great in her business. She supplies yarns to all the weavers in the village and close-by villages. With the gradual progress in her business, she is now able to refill her shop with various yarn and also stocks woven products like traditional women’s wrap skirts and men’s shawls. She also provides credit facilities for acquainted weavers and gets repaid later by the weavers.

Heneo is planning to purchase more yarn for her shop with the Kiva loan. She wishes to refill her stock in the shop and is planning to make savings for the future. She is determined to let her children get the best education and is grooming them to be successful persons. Her only dream is to see her children successful in the days to come; with that hope, she is working with her heart and soul to make her dreams come true.

The other Nupi Lom group members are engaged in piggery, poultry, paan shop, and weaving. They are true to their words and believe in their dreams. They wish all the lenders a good life and prosperous years ahead. They say, "Thank you, 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
  • 15
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 54.4
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Nupi Lom Group's $1,675 loan helped a member to purchase more yarn for sale.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
Apr 15, 2013
Currency Exchange Loss: