A loan of $4,225 helped a member to purchase exported women's wraparound skirts from the neighbouring states, sell them, and make more savings.


Boilen Lom Group's story

“I was shattered and down ten years ago when my father passed away,” says Martha, who is one of the members of the “Boilen Lom Group”. She is the featured borrower. She is on the extreme left with her hand raised in the picture.

The group members reside in a village which is about 40 kms away from the capital city of Manipur, in the northeastern side of India. With younger siblings to take care of and a weary mother, life was not easy for Martha. Her friends motivated her to join the group, and she availed the loan and started her own retail shop.

She runs a variety shop at the local market, which is about a three-minute walk from home. She started her business by selling mobile recharge vouchers and gradually refilled her recharge voucher shop with daily essential items like detergent soap, detergent powder, shampoo sachets, etc. for sale. The shop is also refilled with candies, chocolates, sweets and other cosmetic items.

She is making a fine profit and also started saving. She gets the stock from the main city market and also from people who trade items through the Army Canteen. She says it is profitable to purchase stock from the Army Canteen. The profit is high because the goods are purchased at a low cost price and can be sold at a market price.

She wanted to use the savings that she manages for refilling her shop with different items. She says the amount is small; therefore she was still waiting for another few months. God still favors her because when she was really in need for a capital amount, Kiva came into the limelight.

With the assistance of a Kiva loan, and together with her small savings, she is planning to purchase women’s wraparound skirts exported from the neighbouring states like Mizoram, Nagaland and Meghalaya. She says the main costume for women in the state is wraparound skirts, which she believes is a good trade for earning. It will not be a difficult business because the market is large in respect to women’s wraparound skirts.

Martha says, “It is a wonderful experience for me that people from far-flung countries help us in our needs. Thanks to Kiva and may God bless.”

In this group: Lhingneilam, Helhing, Lhaiting, Nengpichong, Phalnem, Heneng, Martha, Vahneichin, Lhingneivah, Nengvei, Kholneikim, Lhinghoi, Lhaineikim, Chinkhoneng , Neichong, Veineichong



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