A loan of $1,475 helped a member to buy ginger to start ginger farming.


Lily Group's story

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.

In this group: Chinneilhing, Phalkhohat, Lhingneichin, Kimhat, Lamshi, Lhinglam
*not pictured



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