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Ruth Group
In this Group: K.veineng, Tinneichong, Nemjahoi, Tinneikim, Akip, Akhol, Tinkhongah, Neihat, Nengneilhing, Nengneilhing
“I have completed a six-year partnership with WSDS and it has been wonderful,” says Tinneichong, who is the secretary for Ruth Group and also the featured borrower. She is pictured with her hand raised on the extreme left. The group resides in a village that is about 40 kms from Imphal town.

At the beginning of the loans, she started off her business by selling meat in the market, but she gradually changed her business into selling rice. She did that because meat cannot be stored for days, which used to be a huge loss for business. She sells imported and local rice in the town market and sometimes she takes rice to the neighbouring villages and sells it. She also takes orders for rice and accordingly arranges it and makes an income from customers. Rice is a staple food for the state and it is not difficult to sell it.

With the Kiva loan, she will purchase rice from farmers and store it. Harvesting season has just ended and it is the right time to buy rice as the rate is low compared to other seasons. The profit will be more and she will have more chances to earn money in the future when the price of rice is high. She thanks Kiva for the support and for giving her financial support when she really needed it. She will always remain grateful for the work that Kiva has done. She says, “Thank you, Kiva.”

The rest of the group members are engaged in weaving, vegetable vending. rice selling, 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
  • 86
    View loans »
    India Loans Fundraising
  • $6,091,475
    Funds lent in using Kiva
  • 61.9
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ruth Group's $2,425 loan helped a member to purchase rice stocks while they are cheaper and sell them with good profits.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Dec 24, 2013
Currency Exchange Loss: