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Ngailut Group
In this Group: Lhingvah, Nemchin, Lhinhngah, Lhingjahat, Nengneilhing, Pupui *, Heting, Hoineichong, Lhingneilam, Vahneikim, Phalvei, Ngahneilhing
* not pictured
Twelve hardworking tribal women form the “Ngailut Lom” group; it means “Love Group”.

Lhingngah is the featured borrower, and she is pictured with her hand raised. She lives now with her 4-year-old adopted son after her husband passed away few years ago. She resides with her son at her brother’s house.

When Lhingngah’s husband was alive, she had to borrow money from others for his treatment, since her husband had to go undergo prolonged medical treatment. As she had debts to pay back for her husband‘s medical treatment, after the death of her husband she started a small variety shop in her house so that she can slowly pay back the debts.

Lhingngah runs a variety shop in her village, and her shop is located on the front side of her house. She gets the supplies from the main city and sells them at a profit in the village. She says she started her variety shop because there are very few grocery/variety shops in the village, and this will benefit her as well as the villagers.

She says that she is able to pay back her previous debts and now she wishes to expand her shop by refilling the stocks. She will purchase canned fish, sugar and various cereals and sell them when she gets the loan. At present, she sells all daily essential commodities that are mostly used in the village. With the Kiva loan, she will get her shop refilled and try to make savings in the bank.

Lhingngah’s dream is to have her own house where she and her son can live. She hopes to let her son get a good education, and says her son is her motivational factor when she is losing hope in life. She is looking forward to life with positive aspects and guidance from God.

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
  • 3
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 54.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ngailut Group's $2,225 loan helped a member to refill her variety shop and sell the goods.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Apr 27, 2013
Apr 24, 2013
Currency Exchange Loss: