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Pahhoi Lom Group
In this Group: Nengtinlam, Hoikhohat, Kimthenhat, Hoilenmawi, Vanlalngak, Lamkhol, Neklomkim, Vahneichong
Vanlalngak belongs to “Pahhoi” Group, and she is the featured borrower member. She is pictured on the extreme left with her hand raised. All the members of the group live in a village which is in Manipur, one of the northeastern states of India.

Vanlalngak and her husband work side by side to manage the family expenses. Her husband is a contractual driver for big wheels, and his income entirely depends on the number of days he works/drives. Therefore, his income is unreliable and meager.

Understanding the financial condition, Vanlalngak started raising pigs. At the initial stages of her piggery business, she built a sty with the help of her husband at the back of their house, and purchased two piglets. She said she already tried her hand in various income-generating businesses like selling charcoal, selling vegetables, and weaving. But she failed because she cannot combine her outdoor business with the household chores.

Vanlalngak chose to raise pigs, and she is doing great with her piggery farm. She raised pigs in a very economical way by collecting leftover foods from neighbours and also from the neighbouring villages. She also searches for edible grass in the nearby fields and farms for pig feed. The foods are then cooked with powdered rice grain. The rice grain is bought from the rice mill at a cheaper rate. Once the pigs are fully grown and ready to be sold, she usually sells them in the village and neighbouring villages. She also bought a used two-wheeler Scooty (scooter) from the income that she generated from selling pigs.

With the Kiva loan, she is planning to purchase chicks and start raising poultry besides raising pigs. She said her huge backyard should be utilized, and it should be of good use for raising poultry, too. Her interest in raising chicks started because pigs can be sold only once in a year, and if she can raise chickens, she can sell them after a time period of three months. She speculates she can sell poultry four times in a year, and is hopeful to be successful with her poultry.

She thanked WSDS strongly and says her husband’s love and respect grows more with the ability to share family financial issues. “The bond is stronger and the family’s burden is lighter with both of us sharing.” She thanked Kiva and WSDS once again for all the support and assistance.

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
  • 100
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 58.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Pahhoi Lom Group's $2,075 loan helped a member to purchase chicks, raise them, and sell them for profit when fully grown.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 25, 2013
Jun 19, 2013
Currency Exchange Loss: