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Lily Group
In this Group: Chinneilhing, Phalkhohat, Lhingneichin, Kimhat, Lamshi, Lhinglam
Phalkhohat is a married woman, 45 years old, who lives in a remote village in Manipur, India. She is the featured profile member pictured with her hand raised. She lives with her family of seven, including her husband, three sons and two daughters. She is very energetic, hardworking and enthusiastic and always devotes her time to get her family ahead.

Phalkhohat has been doing a tea stall business with her husband in the village for the last five years to maintain her family. Initially, with the first loan from Kiva, she started a low-budget tea stall business in her house. She gained a little profit and with the second loan, she moved the tea stall to a nearby roadside where more people could reach easily. Gradually, with the third loan, she expanded her business and saved some money.

Since it’s scant to manage her big family from her business alone, to add some extra income she added her savings, and with the fourth and fifth loans bought an auto-rickshaw, which makes them the first owner in their locality. She is very happy that her family’s property has increased and her burden has been lightened.

She wanted to avail another loan from Kiva, which would be her sixth cycle; with this loan, Phalkhohat says she wants to start ginger farming in the village.

She is considered as one of the successful clients by WSDS, too. She thanked Kiva and WSDS for the constant support and generosity towards her and the group.

The other members of her group are doing vegetable vending, tea stall, running a grocery shop, 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
  • 92
    View loans »
    India Loans Fundraising
  • $6,748,700
    Funds lent in using Kiva
  • 58.6
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Lily Group's $1,475 loan helped a member to buy ginger to start ginger farming.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
May 21, 2014
May 26, 2014
Currency Exchange Loss: