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Ruth Group
In this Group: Kimngah, Thangbnem, Lhingneihoi, Nengboi, Kainei, Vahneilhing, Lhingjanei, Lhingneilam, Lhingjoujam, Phalneilhing
"Stability and security are just illusions. But they are necessary illusions because without them, there would be no way of going on,” says Nengboi whose husband was murdered by miscreants in the neighboring state and his dead body never found. She is the profile member of Ruth Group and the featured borrower for the group. When her husband was alive, she used to sell charcoal and firewood in the town market on the northern side of Manipur state, which is about 35 km from the state capital. But she discontinued her charcoal selling business, as she could not leave the house for business purposes. She had to take care of the family and the kids at home.

Nengboi started running a grocery shop in front of her house. She sells all essential commodities like detergent soap, detergent powder, salt, toothpaste, edible oils, kerosene, onions, ginger etc. She usually gets the supplies from the nearest town market or in the capital market in Imphal. Most of the villagers buy commodities from the shop because the shop is located in the village itself and they don't have to spend extra money to go to the town market just to get a pack of salt. Because she doesn't have enough money to purchase supplies for sale, customers usually get irritated when their demands cannot be met.

With the Kiva loan, she will purchase supplies from the army canteen at a low price and sell them. She is planning to open a savings account and start saving for the future. She says she will also repay the loan on time and try to expand her grocery shop. She thanks WSDS and Kiva for the generosity and love for the group members. She says, “Thank-You Kiva”.

The rest of the group members are engaged in raising cattle, pigs, poultry and other businesses.

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
  • 8
    View loans »
    India Loans Fundraising
  • $6,682,200
    Funds lent in using Kiva
  • 61.5
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Ruth Group's $2,375 loan helped a member to purchase more items like edible oils and cereals to sell.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Dec 19, 2013
Jan 14, 2014
Currency Exchange Loss: