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Nunnom Lom Group
In this Group: Kholneilhing, Kholneikim, Nengtinlhing, Nengneilhing, Jangkhohoi, Lhingkim, Nemchin, Veikholhing, Kholneikim, Lhingjalam
Talented and outstanding Nengneilhing, alias Boicy, is the featured borrower member for Nunnom lom Group. Nengneilhing is pictured with her hand raised in the picture. She and the other nine members joined hands and formed the group to support and enable themselves to sustain and generate incomes for their family. They live in a village 40 kms away from the town of Manipur, which is also one of the northeastern states in India.

Since Nengneilhing's husband serves as clergyman in the church on a voluntary basis, income generated for the family is not sufficient at all. Nengneilhing runs a grocery shop in the village. The shop is located in front of the village school, which is also the main pathway for the villagers. She sells all essential commodities like cereals, rice, edible oils, sweets and candies. Most of the buyers are village farmers, and their usual time to shop is during morning and evening. At day time, she is least busy, so she also sews and makes an extra income.

With the Kiva loan, she will purchase stocks for the shop. Most of her customers rely on the shop as they purchase the supplies on credit and usually pay it back at the end of the month. She said that she will expand the shop once she avails the loan and will repay the loan on time. She thanked Kiva and WSDS for lessening her burden and building a relationship with them. She says, "Thank you so much."

The rest of the members are engaged in piggery, paan-dukan and ginger farming.

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
  • 100
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 65.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Nunnom Lom Group's $1,700 loan helped a member to purchase and refill the shop with more grocery items and makes 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: