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Ngailut Group
In this Group: Nengneichong, Nengneilhing, Nengneikim, Nengneilam, Neijahoi, Kimneineng
They are called the “Ngailut” Group and they have been associated with WSDS since 2010. They are a group of six women from a tribal community and live in a very small and remote village in the state of Manipur, in the Northeastern part of India.

The profile representative of “Ngailut” Group is Nengneikim. She is the one on the extreme left of the picture with her right hand raised. She has two sons and one daughter and her husband is a daily wage earner whose income is not enough to meet the daily expenses of the family. Being a woman, she cannot do hard labor work so she weaves and, with the minimal sum of money she gets, she runs the house.

She is an active member of the group and a very efficient, dedicated and hardworking woman. With the first loan from WSDS, she bought two piglets. After a year and half, they had grown to full size and were ready to be sold in the market. With the profit she earned, she could repay the loan on time and with the remaining, she was able to buy some other essential requirements for the family and some household items.

With this Kiva loan, she will buy four piglets and construct a bigger pigsty to set up a piggery farm in the future. She also said that she has a bigger dream of purchasing a mini van for public transportation, which she said will benefit the people in her village and the surrounding villages and at the same time she will also be able to benefit from it. In order to fulfill her dreams, she manages regular monthly savings from her profits in her new bank account. And she is hopeful that after five to seven years, she will have enough money to fulfill her dreams.

She wants to thank Kiva and WSDS for the support they have rendered to her and to the group. The rest of the group members are engaged in weaving, tailoring, a piggery and other income-generating activities. She said that all of them are eagerly and patiently waiting for the Kiva loan.

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
  • 43
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 54.8
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ngailut Group's $1,100 loan helped a member to purchase three more piglets to raise and sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 20, 2013
May 19, 2013
Currency Exchange Loss: