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Jiankarumei Group
In this Group: Guangdinglu, Lanchunglu, Jenthaolu, Magang, Luxmi
Guangdinglu is pictured with hand raised and she is the featured member for Jiankarumei Group. They are five hardworking tribal women who reside in a village in the state of Manipur and formed the self-help group to support one another. All these women are engaged in income-generating activities to support their families.

Guangdinglu lives with her husband and her two children. Her husband is a cultivator and his income is meagre and unreliable. It fluctuates and depends mostly on the produce and weather conditions. Relevant climate and arrival of monsoon at the right time again enhances the harvest.

Guangdinglu brews local wine to supplement her husband's income and support the family financially. The tumult rice, which is left after brewing wine, is also used as pig feed and that is another means of making money, says Guangdinglu. By selling the regular local wine, one cannot generate sufficient income because it is cheaper. Quality controlled rice wine is in high demand and one can make huge money because it is more tasty and good for health. Business peak season is during the festive season of the tribal community, when the wine is used at different occasions for various purposes. During wedding receptions, house-warming parties, and new baby rituals in the family, local wine is used as sanctified liquor by the elders in traditional practices of the community.

With the assistance of the Kiva loan, Guangdinglu wants to purchase quality rice, more stocks of yeast and two bigger pots for brewing wine that she can sell and support the family. She also dreams of starting a new business in the town market by opening a grocery shop. She is working hard to fulfill her dreams. She will start saving from now onwards and will also repay the loan on time. She says, "Thank you so much, Kiva, for the generosity and unconditional help for the group.”

The rest of the group members are also engaged in brewing local wine and selling it.

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
  • 100
    View loans »
    India Loans Fundraising
  • $6,146,075
    Funds lent in using Kiva
  • 60.1
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Jiankarumei Group's $1,250 loan helped a member to purchase quality rice, more stocks of yeast and two bigger pots for brewing wine.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Mar 4, 2014
Apr 2, 2014
Currency Exchange Loss: