A loan of $1,500 helped a member to expand her tea-stall and start selling essential commodities/grocery items for profit.

Chullou B Group's story

"Hope is a renewable option: If you run out of it at the end of the day, you get to start over in the morning,” says Shani, who is a Nepali by birth, speaks the local dialect and has been married for more than a decade. Untiring effort and relentlessness can be seen with her life venture. She is the featured borrower member and is pictured with her hand raised.

Shani and the other eight members joined hands and formed the Chullou B Group. “Chullou” signifies “everlasting” in Thadou dialect, and Shani believes in everlasting relationships among the members. She lives in the village with the rest of the group members. The village is about 35 kms away from the capital town of Imphal, which is also one of the Northeastern states in India.

Shani runs a tea-stall in the middle of the area market. She prepares puri (deep-fried bread), toast and tea, and sells them. She is earning well and is happy. The tea-stall is open at the break of dawn and is open until late. The location of the tea-stall gives a lot of advantage for Shani, as the public transport buses and jeep parking is close by, and drivers usually stop at the stall for tea and snacks. The passengers, as well, feed themselves with tea and snacks while waiting for the other passengers to board the vehicle. Passengers start thronging in at the break of dawn, as they wait for the first vehicle to head towards the capital city.

Chit-chatting with her customers helped Shani acknowledge the need to open a grocery shop in the area. The surrounding villagers typically travel another extra 4 kms to the town market, spending an extra 30 INR as jeep fare, only to purchase essential commodities like salt, soap, cereals, etc. The generated income from running a tea-stall is insufficient to expand the shop with grocery items.

Shani wants the loan from Kiva to expand her tea-stall with selling grocery items. The plan of expansion of the business is to provide the nearby villagers with groceries and essential items. This will also make extra earnings for her, and helps the villagers to avoid unnecessary traveling to the town market. She thanked Kiva and WSDS for the support. And, says she will repay the loan on time and will continue to build a good relationship with WSDS and Kiva.

The rest of the group members are engaged in a grocery shop, piggery, weaving, clothes-selling, etc.

In this group: Lunneng, Tingneithem, Kimlhing, Shani Devi, Tika, Shabitri, Hatneikim, Kimneilam, Gita
*not pictured

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