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Bethel Shg Group
In this Group: Rumunhoi*, Rongneiten, Mechekten, Rangmuring, Setinhoi, Lhingneihoi
* not pictured
These hard-working women have called themselves by the group name “Bethel”. They all live in Bishnupur which is in the state of Manipur, Northeastern region of India. They formed a group with an aim to generate income for themselves by accessing a loan.

Rumunhoi is one of the six members of the group and is pictured with her hand raised. She is 33 years old and has one daughter. Her husband is in the army. Rumunhoi opened a 'pan' shop near the market area. With the loan amount she wishes to expand and refill the shop by buying varieties of chips in packets, cigarettes, and betel leaf/nut which are in demand. She believes that her shop will be a source of generating income for the family instead of her being fully dependent on her husband’s salary. Her daughter is studying in grade one, and she wishes to send her daughter to good schools in the future to receive quality education.

Likewise, the rest of the group members also aspire to raise their economic, financial and living standards by generating more income. Some of the group members do chives cultivation, weaving or have 'pan' shops.

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
  • 76
    View loans »
    India Loans Fundraising
  • $6,083,775
    Funds lent in using Kiva
  • 62.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Bethel Shg Group's $1,475 loan helped a member to purchase more items like betel nut/leaf, cigarettes, bar soap, candies and many kinds of chips to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Dec 28, 2013
Currency Exchange Loss: