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Kinepna Group
In this Group: Helam*, Warnu, Lamkhotin, Lamneithem, Vahnem, Chinkhonem, Lhingneimoi, Neilam, Hatneithem, Hatnunnem
* not pictured
Kinepna is a ten-member group of tribal women in the hilly regions of Manipur, which is situated in the Northeastern part of India. The group is represented by Helam who, by profession, is a tailor in the village. She is pictured in the photograph with her right hand raised. Helam is married and blessed with two sons and her husband provides satellite television connections in the village.

Helam had once started a tailoring business in the past but due to some family problem, she had to close down the shop. However, the income her husband generates from the satellite TV business was not enough to provide for all the family's expenses. So, she decided to start tailoring in the village once again, and though she did not get a huge amount of profit, she said that she is able to save some for her sons' schooling expenses and other monthly family expenses.

She started the tailoring business in 2011, and she said that she is able to save some from her daily and monthly income. At the same time, she also weaves shawls and other women's traditional wrap-around garments for sale. She has also purchased lots of household items for the house and her husband has also purchased more cable wire for expanding his satellite television business. He wants to expand to the interior of the village and also in the neighbouring villages. Helam said this is very reliable and very profitable, because they are the only one providing the satellite television network in the area. At the same time, with the loan from Kiva, she wants to buy more sewing machines, tailoring materials, cloth fabric, and other essential items for expanding her tailoring business.

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
  • 6
    View loans »
    India Loans Fundraising
  • $6,743,675
    Funds lent in using Kiva
  • 59.3
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Kinepna Group's $1,700 loan helped a member to buy more fabrics and sewing machines for expanding her tailoring business.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jun 29, 2013
Jun 29, 2013
Currency Exchange Loss: