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Lily Group
In this Group: Lhingneineng , Nemneilhing, Tingneihoi, Nengneikim, Kimneineng , Tingneithem, Nengjadim, Nemneichong, Bebem , Neikim , Hatkim , Neinu , Nengkim
"Shoot for the stars, and if you miss, at least you will end among the stars." "I am following this saying," giggled Nengjadim. She is one of the members with “Lily” Group. She is pictured with her hand raised, and she is the featured borrower member for the group. She is hardworking and determined in whatever she does. Both she and her husband earn for the family, and her husband is a daily wage-earner.

The group members were all inspired through the teamwork and collaboration shown through "Nisopah Group". They are active members with WSDS, and the secretary of the group conveyed the benefits of the formation of Self-Help groups to "Lily Group".

Nengjadim raises livestock like cows, sheep and buffaloes. She generates income after selling the milk that the cow produces and also makes money by offering the buffaloes for farming purposes on a hiring basis during the ploughing seasons. She makes good money because modern farming machines are unaffordable for the village cultivators. She also raises sheep and sells them when they are fully grown.

She makes a good income, but it is completely unreliable. The source of income for Nengjadim and her husband entirely depends on seasons because during off-seasons the income is tight. Managing the household expenses and running the family without a regular income is complicated for Nengjadim. Her main trade is selling sheep in the neighbouring villages. Buyers come to her house to purchase the sheep and she also takes them to the local market and sells them at a good price.

With the Kiva loan, she will construct a better and spacious barn for the sheep. She is raising more than twenty sheep at present. She is glad that Kiva is supporting her for the barn construction, and she plans to own a minivan within ten years. The minivan will be used as a public transport between the village and the capital city.

She will open a savings account and start saving to make her plans come true. She says even if she and her husband fail to purchase the minivan within ten years, she will purchase an auto rickshaw instead. She dreams high and believes in herself that she will fulfill it.

The rest of the group members are also engaged in poultry, piggery, weaving, and ginger-farming.

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
  • 5
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 57.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Lily Group's $2,275 loan helped a member to construct a larger barn for the sheep that she is raising.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 25, 2013
Jun 24, 2013
Currency Exchange Loss: