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Hoikhotin Group
In this Group: Hatshi , Kimneichong, Nemneineng, Chongneilam, Hoinu, Kimkhovah, Lhaikim
Hatshi was left by her husband in the year 2002 with six kids to feed on her own. All the hopes and aspirations which she dreamt of with her husband were shattered and tumbled. In spite of all the hardships she faces, Hatshi manages to take care of all her kids by running small income-generating activities like selling rice from door-to-door, selling vegetables and by working in someone else's paddy fields to earn a daily wage.

The group is named after Hoikhotin because she was a well known lady in the surrounding areas for her hard work and endurance while she was serving as the only female chief in the village. A member of the group says that she is their inspiration and they look up to her for success. They are proud to call themselves Hoikhotin Group.

Hatshi works really hard to manage the family affairs. Besides selling rice, vegetables and earning a daily wage by working in paddy fields, she also weaves to supplement her income. She taught her second daughter weaving, and now she and her daughter co-operate and weave different traditional woven products. She is able to make a good profit now, but it is never sufficient to make savings. She has to repay the loan amount monthly and also her kids' needs are to be fulfilled.

With this Kiva loan, Hatshi is planning to get sufficient yarns from the market to use for weaving. She has decided to buy the better quality yarns, which she could not afford before, and weave the most expensive traditional wrap skirts for women to sell for a good profit. She wishes to continue her weaving business because she can carry it out irrespective of the weather. Her other activities are affected when there is a bandh [strike] in the area or when it rains heavily. Her dream is to provide her youngest daughter with the best education and support her in all possible ways to let her become an IAS (Indian Administrative Service) officer, which is considered the highest civil service in India.

The other group members are engaged in poultry, a piggery, a grocery and vegetable vending. Hatshi thanks Kiva and WSDS for the help and wishes to continue working with WSDS and Kiva. She says, “God will help and guide you and will never leave you. God bless 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
  • 6
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 54.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Hoikhotin Group's $1,400 loan helped a member to purchase different colours of yarn for weaving to sell woven products.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 27, 2013
Apr 21, 2013
Currency Exchange Loss: