A loan of $1,025 helped a member to purchase wheat, bags of flour, and cans of edible oils for her tea shop.


Chaokhat Shg Group's story

Chaokhat Group was formed recently by six hardworking women from a village. The village is about 40 kms from the main city of Manipur, which is one of the Northeastern States of India. The literal meaning of “Chaokhat” is “prosperity”. The group members join hands to prosper and encourage one another. Ranjana is the featured borrower, and she is pictured with her hand raised. Ranjana’s husband is a paid driver. He is presently working as a paid driver for the district legislature. Managing the household expenses is difficult for Ranjana because she had two kids who study in private schools. The administration in the government schools in town is in fallout, and school kids are given less importance. Ranjana uses all means to supplement the family income. She weaves, quarries, and also runs a tea stall. Ranjana’s tea stall is located near the roadside of the village where they live. She wanted to run the tea stall at the main town market, but that is not possible at the moment. She needs a license from the town municipality department for registration. The tea stall is open at dawn for school-going kids, and she prepares toast, puris and fried potatoes, and serves the customers the morning breakfast. During the daytime, she prepares lemon tea, sugar-free tea, and milked tea for village elders. She usually closes the tea stall by 4:00 pm every day and does not run business on Sundays. During the farming and harvesting seasons, most of the villagers are in the field, and very few customers are left. Therefore, she and the rest of the group members engage themselves in quarrying. She sieves sand, pebbles and soil, and earns a wage. With the Kiva loan, she will purchase stocks of wheat, bags of flour, and edible oils for her tea shop. The small earnings are usually spent on the children’s education, such as fees, uniforms and textbooks. Ranjana is typically left with no capital to run the tea stall with abundant supplies, due to a small income and everyday household expenses. She is planning to make more income by selling more local delicacies when she purchases the stocks. Ranjana is planning to have her own vendor seat at the town market shed with a proper license in the future. She will save money as hard as she can, and will also pay back the loan regularly. She thanks Kiva and WSDS for fulfilling what she had desired for so long. The rest of the group members also quarry and weave for earning.

In this group: Thaba, Khambi, Ranjana, Itomcha, Pramo, Chaoba
*not pictured



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