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Rose Lom Group
In this Group: Neilam, Nenglhing, Kimma, Lhingneikim, Lhingneihoi, Kimneilam, Lhaineichong, Vahjalam, Phalpi, Nengkhohoi
Nenglhing sells piglets and generates income for the family. She belongs to “Rose Lom Group” and she is pictured with her hand raised. She is also the featured borrower of the group. Nenglhing subjugates all the challenges one can endure. She has seven kids and lives with her aged in-laws. Her husband earns a living as a sweeper in a military camp with a small regular monthly income. To manage the family finances with only her husband's income was a big challenge. Debts were piling up while she was trying to look after the kids and the in-laws. School fees, medicinal cost for the in-laws and household maintenance expenses were all borne by only her husband income.

Nenglhing started raising piglets and slowly developed her piglet-selling business. She is making rapid progress in her business. She usually travels across the neighboring provinces in the state and purchases piglets. The piglets are then sold in her village and the neighboring villages at a profit. She said, since each house raises pigs, selling piglets is not complicated and instead entices her to do better. The most challenging part of her business is transportation. The public transport is the most convenient option but the passengers sometimes complain. In order not to disturb others, a private vehicle is hired to transport the piglets. The cost is high but that is the only option left for the piglet transportation. She keeps them in the pigsty at the back of her house and does the selling.

She and her husband work side by side to manage the household expenses. With her financial assistance, the family is now able to pay back the previous debts. She wants all of her seven kids to get an education because she was deprived of a good education in her childhood days. The family financial conditions did not allow her to pursue further studies and she ended up with a mere primary education.

With the Kiva loan, she will purchase more piglets to sell and meet the demands of her customers. She is also planning to provide her customers with a credit facility if she can successfully avail the loan. She thanks Kiva and WSDS for the undeniable support and love. She wishes them great success and prosperity. The rest of the group members are engaged in piggery, weaving and vegetable-selling businesses.

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
  • 76
    View loans »
    India Loans Fundraising
  • $6,083,775
    Funds lent in using Kiva
  • 56.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Rose Lom Group's $2,675 loan helped a member to purchase more piglets to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 4, 2013
Currency Exchange Loss: