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Deilhen (B) Shg Group
In this Group: Thethem, Neipi, Nemjangai, Lhingneineng, Khampi, Kimhoinei, Lynda
Caring and loving Thethem is pictured with her hand raised. She is blessed with three children and her husband makes a living by farming. Although she is married to the second son in the family, she takes the role of the eldest daughter-in-law by taking care of her differently able brother-in-law. She is the featured borrower member for Deilhen (B) Shg group. All the members live in the same village, which is about 40 kms away from the town capital of Manipur, which is also one of the northeastern states in India.

Thethem sells different varieties of rice. She gets the supplies from nearby land zamindars (large-scale land owners) and also from the main market in Imphal. Very few villagers own a paddy field and most of them depend on others' paddy fields. The harvest is insufficient and most of the villagers depend on the market for rice when in shortage. The entire family is under the financial support of her and her husband and the generated income is meagre, which usually causes her to cease her rice-selling business.

With the loan from Kiva, she will purchase rice in bulk and make good sales. She will also repay the loan without fail and will surely open a savings account and manage it to be self-sufficient in the future. She thanks KIva and WSDS for the help and wishes them all good luck.

The rest of the group members are also engaged in piggery, weaving, selling cosmetics, and wool knitting.

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
  • 1
    View loans »
    India Loans Fundraising
  • $6,677,075
    Funds lent in using Kiva
  • 65.2
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Deilhen (B) Shg Group's $1,075 loan helped a member to buy more imported rice and local rice, sell it, and make 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: