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Zion Shg Group
In this Group: Lily, Domlhing, Lhingneo, Hoineithem, Domneimoi, Lamneithem, Ngaijahoi, Lamneikim, Hatneineng, Ngaichong, Domnunnem, Chongneo, Lamchong, Vahkholhing
Zion SHG group is a newly formed group comprised of 14 (fourteen) members. All the group members are engaged in different income-generating activities. Hatneineng is one of the Zion SHG members and she is pictured with her hand raised. She says that her friend Pi Neilam also runs a garment stall in the same town market and she availed a loan from Kiva lenders. She was able to expand her garment business. She belongs to Janlai Lengnu group. One can check the group link here: . Pi Neilam told her about the lenders on Kiva and how they were funded for their business. Therefore, Hatneineng decided to join a group with her other friends who are economically active. They formed the Zion SHG group and became a part of WSDS.

Hatneineng rents a place in the town market and she runs a garment-selling business. She has been in this business for more than three years. She is a competent and determined businesswoman. She always wanted to stand on her own feet and be successful in what she did. Since she has been running the business for so long, she has a lot of customers who she values, so she tries her best to supply them with what they order. She also wanted to sell garments on credit but she could not facilitate her customers with that service because of her limited capital. She was not aware of the presence of Microfinance institute in the state and used to believe that taking loans would instead become a burden with the interest.

With the Kiva loan, she hopes to expand her garment business and she is determined to pay back the loan on time. Hatneineng says that with the loan, she wishes to buy more garments for selling and gradually expand her business. She wants to utilize the loan by purchasing different garments for all age groups and make a good profit. The rest of the group members are doing different businesses like a piggery, poultry, weaving, a tea stall and a dukan. Hatneineng thanks Kiva and the lenders for supporting her and helping to shape her business. She says, " 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
  • 2
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 54.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Zion Shg Group's $1,300 loan helped a member to purchase more garments to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
Apr 16, 2013
Currency Exchange Loss: