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Nazareth (C) Group
In this Group: Thenkhoneng, Chingkhuneng, Lhingcha, Bongak, Sirmaya, Tismaya, Hatzalam, Hatneikim, Lamtin
A resident of a village in Manipur, which is one of the northeastern states in India, Lamtin is the featured profile member for the Nazareth (C) Group. She and her daughter are pictured with their hand raised. She is a widow and manages her expenses from her husband's small monthly pension.

Lamtin shares that “it is indeed a pleasure and opportunity for [a] single mother to avail this loan." Depending on meager income is difficult when you have other basic necessities to take care of. The headache of monthly fees is increased when annual exams are to be held. Paying the monthly fees on a regular basis is difficult for Lamtin. At the beginning of the year, she usually gets money from money lenders with high interest rates so that the kids don’t miss the session, which usually prevents her ability to pay the monthly fees again.

With the assistance of the Kiva education loan, Lamtin will pay for the annual expenses, textbooks, stationery, and admission fees. This is the first time that she will be able to provide all the materials required for the whole year, and she thanks Kiva for the help. The rest of the group members will also pay for their childrens' school expenses and says they are deeply honored and happy for this loan.

Additional Information

More information about this loan

This loan is part of WSDS's education program, designed to finance school expenses such as tution, books, stationary, transportation and fees for students from poor and low income families. Funds can be used for partial or complete payment of school expenses. By supporting this loan, you're enabling access to education for students with limited options.

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
  • 62.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Nazareth (C) Group's $1,675 loan helped a member to provide study materials and other necessary expenses for her daughter in pursuing her schooling, and give her a better future.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Feb 6, 2014
Feb 10, 2014
Currency Exchange Loss: