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Kinepna Group
In this Group: Domlhing, Neikhohat, Hoikholhing, Neikhokim, Phalneng, Nemngah, Lhingneilam, Chingkholhing, Themkhoneng, Neikim
To be a successful business woman, one needs to be healthy and strong. Unfortunately Hoikholhing’s health deteriorates after frequent traveling in different places or villages to sell used clothes. Her chest pain troubles her if she does hard labour.

Hoikholhing is the group representative as a featured borrower. She is on the extreme left in the picture with hand raised. She belongs to “Kinepna Group,” which means hope in their language. They called themselves “Hope Group” because they believe that everything that is done in the world is done by hope. With that concept in mind, the group is determined to work hopefully.

Hoikholhing used to sell used clothes in the village and neighbouring villages. She also sold them in the nearest town market, which is about 8 kms away from the village. She used to purchase used clothes from the city market and sell them. The profit was sufficient to manage daily expenses with a monthly savings. She started feeling chest pain after frequently traveling to make sales. She quit her used clothes selling business and decided to start a poultry business to generate income.

With the Kiva loan, Hoikholhing is planning to purchase 50 to 60 chicks in different breeds, raise them and sell them when they are fully grown. She will vaccinate and raise them with nutritional chicken feeds. There are women market vendors who sell poultry in the town market and in the city market. She will supply the poultry sellers from home without traveling distances. That way her health will be improved and subsequently she will generate income for the family.

She thanked Kiva and WSDS for this opportunity and says the essential, most requisite -- i.e. capital money -- will be provided by the esteemed Kiva via WSDS. God bless Kiva and WSDS.

The rest of the group members are engaged in growing chives. They usually sell them in the town market and in the main city market.

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
  • 1
    View loans »
    India Loans Fundraising
  • $6,744,125
    Funds lent in using Kiva
  • 59.7
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Kinepna Group's $1,675 loan helped a member to purchase 50 to 60 chicks, raise them and sell them for profits when fully grown.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 22, 2013
Jul 29, 2013
Currency Exchange Loss: