A loan of $2,475 helped a member to purchase goods to refill the general store with cereals, imported rice, edible oils and kids' delicacies to earn more profits.

Jemhoi Group's story

“I strongly believe that to live without hope is to cease to live,” shares Tingkhohoi. She is pictured with her hand raised and is the featured borrower member for “Jemhoi-Group”. She has one son only and lives with her husband in a village which is about 45 kms away from the city capital of Imphal. Imphal is one of the capital states of the North-Eastern states of India. She has switched her business from growing and selling vegetables to running a variety shop in the village. Her husband also earns his living as a farmer. He ploughs others' fields and earns his daily wages. The family financial resources are entirely borne by Tingkhohoi and her husband.

Tingkhohoi runs a general store in the village. She sells only essential goods for the villagers which include detergent soaps, detergent powder, sachets of shampoo, different cereals, edible oils, loose as well as in pouches, candies, sweets, tea-leaves, sugar, potatoes, onions, ginger, garlic, etc. She usually gets her stocks from the city market and also from army canteen suppliers. She usually gets cosmetic items like hair-oil, face-cream, soap/powdered soap from army canteen suppliers. The rates are subsidized as the supply is purchased from the army canteen at a cheaper rate as compared to the market rate. She sells only the basic needs or required items for the villagers as villagers are her sole customers.

Tingkhohoi wants a loan to refill her general store with more cereals, imported rice, edible oils, etc. She aspires to supply the villagers on a credit basis in the future. She shared that, instant cash payment for goods by the buyers in the village is not easy. The villagers are managing their expenses with the meager income that they generate. If she can abundantly stock her store and be a supplier for the villagers, then the unnecessary spending on fares for transportation to purchase small items like soap or edible oil could be prevented and she will be able to make good sales, which will literally generate good income and will facilitate the villagers, too.

She thanked KIva and WSDS for the joint movement to facilitate women entrepreneurs. She and the other member wish them good-will and progress in their future works. She says, “Thank you, Kiva!”

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

In this group: Nemlam, Veineikim, Tingkhohoi, Nengkhonei, Nengkhohoi, Lhingjahoi, Tingkhohat, Nenglam, Lalneng, Nengkholhing

Loan details

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Loan details