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Esther Group
In this Group: T.lewish, Kimneng, Nenghat, Nemjanei, Hatnem, Kimneichong, Hoinu L., Neihmunchong, Hoikipnei, Lhingcha, Martha, Hechong
Hechong runs a tea stall at the centre of the town market, which is about 40 kms from Imphal town. The shop has an immense advantage in earning as it is located close to the town parking shed. Tired and exhausted travelers usually drop in for a cup of tea to start off and she also tries her best to give good customer service. She is the featured borrower member for Esther Group and she is pictured with her hand raised.

Hechong opens the shop early in the morning and usually closes down before the sunset. Her business peak time is early morning and at noon time. Her tea stall is a success and she is earning well. The generated income is insufficient for the family as she also takes care of her husband's nieces and nephew who were unfortunately abandoned by their father.

She is striving hard together with her husband to manage the family expenses and also to stand as a financially independent woman.

With the Kiva loan, she will purchase more sacks of flour and wheat, and also juices and cold drinks to sell. The burden of rolling out the capital money for investment has been fulfilled by Kiva and she is very glad. Earlier, she used to get capital money from local money investors with high interest rates.

She says she will try her best to expand the shop and make more income to support the family and give good education for the children.

The rest of the group members are engaged in poultry, weaving, selling garments, and running a tea stall.

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
  • 93
    View loans »
    India Loans Fundraising
  • $6,138,650
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Esther Group's $2,925 loan helped a member to purchase more sacks of flour and wheat, and also juices and cold drinks for the tea stall.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Dec 27, 2013
Currency Exchange Loss: