A loan of $1,875 helped a member to refill her stocks with more cosmetic products and summer used clothes.

Phanem Group's story

“To be a responsible eldest daughter-in-law is a pride and a challenging task,” says Hatneineng. She is pictured with her hand raised and she is the featured borrower for the "Phanem" Group. After the death of her brother-in-law, she and her husband looked after the four kids her brother-in-law had left behind. She and her husband feed eight kids, which is inclusive of their kids and the bereaved brother-in-law's kids. She also says surviving without a regular income is the toughest part because her husband is a lorry driver. In case of bandh in the state or a blockade on the two National Highways, the family income depreciates. To supplement the family income, she started a small Pan-Corner in the town market, which is located near the Town Bus stand.

At the beginning of her business, she sold only paan and cigarettes as she didn't have sufficient capital to start a big business. Her prudent quality shows because after a year, she could refill her paan corner with cosmetic products and used clothes. She says her shop location gives more advantages than the rest of the shop. She gets more customers from bus passengers who are departing and arriving in the town. She now enhanced the family income by triple and shares her husband's burden.

With the loan, she will buy more stock for the shop including summer used clothes like kurtees, medi-pants, T-shirts, shorts etc. Her aspiration is to buy a mini-van and use it for hiring purposes. Her husband earns by driving someone else's vehicle, which is tiring and high risk because if there is unfortunate accidental damage, the driver has to pay. She says after she joined the Phanem Group, she grew in different manners of life. She gained trust from other business partners and opened more doors for income-generating activities. Hatneineng and her husband also support her sister-in-law in pursuing her BSc Nursing degree. She will complete her course soon. Her accomplishments are uncountable says Hatneineng. She and her husband will work side-by-side to achieve what they dream of and will surely be successful.

The rest of the group members are engaged in a ginger farm, a piggery, a garment-selling business etc. All the group members follow a group savings and a meeting is conducted on the second Sunday of every month. She says she is honored to be in the Phanem Group and thanked WSDS and Kiva for the support and love shown to the group. She considers it a personal blessing and prays to God for the growth of both WSDS and Kiva.

In this group: Lhingkhohoi, Hoineng, Kimneiting, Hoikim, Lhingneithem, Nemjavei, Vahkim, Hatneineng, Hatshi, Nengneikim

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