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Choi Aan Lom Group
In this Group: Agong, Ngahneikim, Kholneilhing, Chinlhing, Lhingneilam, Nemlem, Kimneiting, Kimhat
“Choi-Aan” group is an eight-member group of the Thadou-Kuki tribe, and their representative is Ngahneikim. She is pictured with her hand raised in the photograph. They live in the hilly regions of Manipur, in the northeastern parts of India.

Ngahneikim is married and blessed with four daughters and two sons. The eldest is 21 and the youngest of the siblings is 2 years of age. Her husband is a peon in the post office with a meager monthly salary, which is not enough to support the family. Because of this, the two eldest siblings of the family did not attend school; instead, they work in the fields growing vegetables to support the family. However, three other siblings are enrolled in the government school in the village.

Ngahneikim faced all kinds of problems in taking care of the family expenditures and paying the monthly school fees and other expenses of her school-going children. So, since 2009, she started selling vegetables in the nearby town, and with the help of her two children, plants and grows all kinds of vegetables for consumption and also for sale. She said that her daily income somehow helps with the family’s daily expenses. At the same time, with the help of her two elder children, she also raises piglets for sale.

Ngahneikim said that with the loan from Kiva, she will buy all kinds of seasonal seeds and saplings to cultivate them in her vegetable field. Most of the vegetables that she sells are the produce from her vegetable field. She sells them in the nearby town and the village.

The other group members are also engaged in income-generating activities like raising piglets, chicks, cows, and buffaloes; they also sell vegetables in the neighbouring villages.

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
  • 92
    View loans »
    India Loans Fundraising
  • $6,119,375
    Funds lent in using Kiva
  • 57.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Choi Aan Lom Group's $2,100 loan helped a member to purchase seasonal seeds and saplings for cultivation.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 25, 2013
Jun 20, 2013
Currency Exchange Loss: