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Muhit A Shg Group
In this Group: Kipjang, Chinneikip, Lamnuntheng, Lhingjahat, Tinneilhing, Nemjavah, Helam, Nengneikim, Veikhoneng, Momring, Nengneihat, Hoirengkip
A mother of two kids, Kipjang is pictured with her hand raised. She is the featured borrower member for Muhit A Shg Group. The group comprises twelve tribal women members who are financially independent and generate income for their respective families. All the group members reside in a village on the northern part of Manipur state, which is also one of the northeastern states in India.

Kipjang’s husband is a teacher in a private school, and his earning is insufficient to manage the family’s expenses. The income that her husband generates is mainly used for their kids’ education. The rest of the expenses are borne by Kipjang, who raises cattle and weaves to supplement the family income.

Kipjang is raising cattle at her home, and she has one female cow with a calf at present. The cow and the calf are usually reared at the nearby fields for fresh grass to eat. The milk produced is sold every day to the neighbours, as the milk quantity is enough to sell. The income generated is usually used for daily expenses, which is why there are times when they don’t have enough cash to purchase feed for the cattle.

Besides raising cattle, Kipjang also weaves to make more income for the family. She usually purchases yarn and thread from the city market and weaves with them. Her woven finished products are women’s wrap-around skirts, men’s traditional shawls, and women's traditional shawls. The demands for woven products are high, as they are the main attire for the women in their tradition. Kipjang could not meet the demands of her customers. The unavailability of looms paralyzes her to produce more woven products, as she weaves with the traditional back-strap. She hardly manages three or four at the maximum in a month.

She wants a loan from Kiva and WSDS to purchase nutritional feed for the cattle and more yarn for weaving purposes. The nutritional feed is necessary, as the cow is also used in place of a machine for ploughing purposes, and the milk production needs to be adequate in quantity. She also wanted to purchase various yarn for weaving purposes to weave better and expensive woven products. That way, she will generate a better means of income and repay the loan amount in time.

She thanked Kiva and WSDS for the wonderful deeds and says she is delighted to work with them.

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
  • 4
    View loans »
    India Loans Fundraising
  • $6,681,725
    Funds lent in using Kiva
  • 59.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Muhit A Shg Group's $2,375 loan helped a member to purchase various yarn and thread for weaving, and also to purchase a nutritional diet for her cattle.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Jul 22, 2013
Aug 5, 2013
Currency Exchange Loss: