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Pahhoi Group
In this Group: Kimboi, Tingjahoi, Hemong, Ngangai, Chichin, Hatkholam, Lamchin, Lhingjathem, Jasoda, Kamala, Bembem, Thethem
Hardworking Chichin is the featured borrower member of Pahhoi Group. Chichin is pictured with her hand raised. To live a life financially independent has always been her desire and it is also understood by her family and the group. She is blessed with three children: two boys and one girl.

Chichin is engaged in poultry and also grows vegetables at the backyard. She grows vegetables according to seasonal changes and sells them to women vegetable vendors. She can earn regularly throughout the year because the backyard is vast and looks like a little vegetable farm with various vegetables. She purchases seeds and saplings from Imphal town and plants them. She grows cabbage, cauliflower, peas, potatoes, etc. in the farm and sales are going well. She prefers to grow vegetables because she loves taking care of the vegetables and also it is her hobby.

She also raises chickens at the backyard and says it is easy for her to do both -- selling vegetables and raising chickens -- because she doesn’t go to the town and sit in the market shed to sell them. Vendors come to her house, get the vegetables and poultry, and take them back to the market for selling.

With the Kiva loan, she will purchase more chicks for the poultry and also buy winter vegetable seeds and saplings. She also said that she won’t have to worry about her children's school admission fees for the year, unlike the previous year when she had to sacrifice her business for their education.

The beginning of the year is the hardest period as new admission fees are mandatory and she also must provide new books and uniforms for the school-going children. The loan is sure to bring forth both financial and educational benefits for the family for which she is grateful. She says, “Thank you, Kiva.”

The rest of the group members are engaged in piggery, vegetable vending, weaving, managing a variety shop, etc.

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
  • 43
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Pahhoi Group's $2,925 loan helped a member to purchase more chicks and also to purchase seeds and saplings for the vegetable garden.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Dec 24, 2013
Currency Exchange Loss: