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Sharon Group
In this Group: Apon, Khupoi, Aning, Achim, Hellut, Sangponing, Sarah, Athei
“I realized it is not the time that heals, but the things that we do within that time that create positive change.”

The sudden death of her husband shocked Hellut and left her with an infant to take care of on her own and no means to survive. She returned home with her child and took shelter at her parents' home. Neighbouring friends asked her to join the group to give her a purpose and she started selling vegetables with her previous loan. Gradually, she started earning more, and now she runs a variety shop.

The shop is located at the centre point of the public transport parking lot in the village. Hard-working Hellut sells bathing soap, detergent soap, detergent powder, tobacco leaves, tobacco nuts, sweets, candies, chips, small-sized packet juice, etc. Her main source of income is the shop, so she gives her heart and soul to make this a successful business for her. She generally gets the supplies from the main market and sells them in the village at a little higher rate. Passengers waiting at the parking lot buy from her shop as it is easily accessible and that is again profitable for her business.

With the Kiva loan, she will purchase more supplies for the shop and could sell them during strikes and bandhs (protests). She says the place where they live is prone to curfews and economic blockades wherein supplies to sell are short. She is happy that Kiva could be of help in this situation and make her believe in herself once more. She says, “Thank you so much, Kiva.”

The rest of the group members are engaged in pineapple-farming, poultry and vegetable-selling businesses.

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
  • 8
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 65.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Sharon Group's $1,250 loan helped a member to purchase supplies for the shop, sell them and earn more income.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Sep 4, 2013
Sep 12, 2013
Currency Exchange Loss: