Kiva
Seit 2004 ermöglicht Kiva.org einer breiten Öffentlichkeit, Kleinunternehmer in Entwicklungsländern mit Mikrokrediten über das Internet zu unterstützen. Menschen auf der ganzen Welt können so mit kleinen Beträgen - schon ab 25 US-Dollar - anderen Menschen in Armut helfen, eine Existenzgrundlage aufzubauen.
$425 of $1,050 raised.
Started raising funds on Mar 8, 2010
Emilie NDIONE is a 68-year old woman who is married and has four children; she also has responsibility for a niece and a nephew. She has been a member of the Banc Villageois in DAROU-KHOUDOSS for three and a half years and has benefited from seven consecutive loans. She has a small clothes business as well as a beef fattening activity. She also owns a drinks store. Her aim is to help her husband take care of their children as well as her niece and nephew.
Translated from French by Alison Le Bras, Kiva Volunteer
Srey Touch Nuon Group : Cambodia
$400 of $2,950 raised.
Started raising funds on Mar 5, 2010
Mrs. Srey Touch Soun is the president of a village bank loan that consists of sixteen people located in Chheu Teal Phluos village in Takeo province. The members will use this loan to purchase supplies, equipment, and other items to support their own different purposes.
Mrs. Srey Touch Soun is 28 years old and the mother of a child who is too young to study or work. She and her husband, Mr. Borey Chea, are farmers who own a two-hectare field to grow crops. They face a problem because their field has infertile soil. Thus, Mrs. Srey Touch Soun decided to ask for a loan from AMK to buy fertilizer to support her farming.
Aside from farming, Mr. Borey Chea is a fisherman who can earn a small income to help support his family.
Mrs. Sony Pum Village Bank Group : Cambodia
$575 of $925 raised.
Started raising funds on Mar 8, 2010
This village bank consists of nine people in Kang Pou village in Takeo province. All the members will use the loan for different purposes. Mrs. Sony Pum is a village bank president who has been selected by the members.
She is a farmer who owns a 2-hectare field to cultivate rice. She now faces a small problem in that she does not have enough money to hire a laborer to plow her rice field. Therefore, she decided to ask for a loan.
Mrs. Sony Pum is a widow with four children who are all attending the local school.
$3,600 of $3,925 raised.
Started raising funds on Mar 9, 2010
Rubea Shirunga, 35, is married with five children. He has had a business selling fish since 2007. He works from 6 a.m. to 9 p.m. daily, selling from a small place and from door-to-door. He is able to earn a monthly profit of about $414.
This will be Rubea’s second loan from Tujijenge Tanzania. He used the previous loan to buy more fish and he has paid back the loan successfully. He hopes for a new loan to continue to mprove on his stock.
Rubea will share this loan with his loan group, Wakorintho, comprised of 17 members, who will hold each other accountable in paying back the loan.
In the picture, Rubea is wearing a red t-shirt and is leaning on the trunk.
Analyn Allera's Group : Philippines
$800 of $1,450 raised.
Started raising funds on Mar 1, 2010
Analyn Allera is from the village of San Juan, Alicia, Isabela. She is 39 years old. Analyn is the group leader of a 7-member group loan offered by ASKI. While each member of the group receives an individual loan, they are all collectively responsible for paying back the loans of their fellow group members if someone is delinquent or defaults.
Analyn is married and has 3 school-aged children. To make a living, Analyn owns & operates a business venture in the agriculture sector, raising livestock. While not the only means for generating revenue, the main source of income for the business comes from raising pigs for fattening and sale. Analyn has been engaged in her business for over 3 years and earns approximately 5000 PHP a month for these activities.
In 2008, Analyn joined ASKI to gain access to financial services to help improve her living situation and ability to engage in business activities. Analyn is requesting a new loan of 11,000 PHP which will be used to purchase livestock feed & other supplies. This will be the fourth loan taken out by Analyn from ASKI. She plans to use the additional revenue generated from the business to supplement the family's income.
About ASKI:
ASKI is one of the most successful micro-finance institutions in the Philippines. It has 25 branches covering the Central and Northeastern areas. Its clients are mostly of farmers, fisherfolk and small entrepreneurs.
*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
$225 of $600 raised.
Started raising funds on Mar 9, 2010
So Orn currently makes rattan furniture. She is 56 years old and a resident of Kompong Tom province, located about 200 km from the capital, Phnom Penh. She has two children: one is married and one is single.
So Orn saves up over 10 sets of rattan and then sells them to her customers for profit. Generally, her valued clients need to order a few days or a week in advance. Her husband helps her transport the finished products directly to customers' houses. Besides this, the family also takes time to plant rice crops in the farming season. In this season, So Orn hopes to plant rice crop but she doesn't have enough accessory to supply them, so she has requested a Kiva loan via HKL.
Gran Fortaleza De San Jeronimo Group : Peru
$3,175 of $3,500 raised.
Started raising funds on Mar 9, 2010
The Communal Bank “Gran Fortaleza de San Jeronimo” (Great Fortress of San Jeronimo) is currently in its tenth loan cycle and consists of eleven hardworking and enterprising individuals who look at each moment as an opportunity to succeed. Through their daily efforts, they have been able to provide a better future for their children. The members of this Communal Bank live in the District of San Jerónimo in the Province of Cusco. Cusco is a city known for its archaeological sites, its historical center, its landscapes, and its history for being one of the most charming cities in the southern part of the country.
The business activities of the members include selling ceviche, food, clothing, automobile spare parts, snacks via traveling sales, and handicrafts. Others provide services such as masonry and lodging. The members indicate that the Communal Bank has participated in numerous loan cycles and that they are happy and satisfied with the loan services, savings, and training classes. One ongoing aspect of the Communal Bank that is of value is the group savings account that opens the possibility for building up assets, which is what this service provides.
Constantina is a member of the Communal Bank “Gran Fortaleza de San Jeronimo”. She is 55 years old, married, and has five children. Constantina divides her time between her household activities and her business of preparing and selling food. Her husband manufactures bricks and tiles in the District of San Jerónimo in Cusco Province. Constantina says her husband leaves for work at 4am and returns at 7pm. She takes breakfast and lunch every day to her husband and his employees. In her spare time, she makes and sells blankets and ponchos. She is requesting a loan to increase her business capital. Part of the loan will be used to buy wool and the remainder will be used to pay an employee for performing work by hand.
The members, in general, are grateful for this opportunity and commit to making their payments on time.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
Aytmatova Anarhan`s Group : Kyrgyzstan
$1,075 of $1,150 raised.
Started raising funds on Mar 9, 2010
Anarhan Aymatova is 57 years old. She is married and is a mother of 2 sons. Both of her sons are working in Russia. Her husband is member of an agricultural collective. Anarhan works as an early-grades teacher at the village school. Her only daughter-in-law also works a teacher at the same school. Anarhan and her family keep cattle at home. Currently, she is raising a cow and a calf. She sells the milk primarily to her neighbors. Anarhan plans to use this loan to buy one more cow for feeding. Her future plans also include a marriage for her second son and building him a home.
Rano is 42 years old. She is married and is raising 3 sons. Two older sons are already grown and working in Russia. Her husband is involved in refrigerator repairs. Rano has a very interesting and even beautiful business. She is the owner of a bridal salon. There she offers services such as renting dresses, manicure and pedicure, and also does hair styling. She started this business one year ago on an advice of her close friend. This loan will be used for the purchase of equipment, interior salon improvements and purchase of new wedding dresses.
Gullalahon works as a hair stylist and also helps her mother with domestic livestock breeding. She lives in her own house with her mother and 2 brothers. This loan will be used for the purchase of two heads of small livestock.
Kenjahon is also involved in animal husbandry and agriculture. Currently, she is raising a cow with a calf and is preparing for the spring planting season. She is married and is raising 4 children: two sons and two daughters. The loan will be used for the purchase of 2 heads of small livestock for feeding.
Translated from Russian by Anna Sorokina-Hailey, Kiva Volunteer
Lorena Del Carmen Lozano De Cornejo : El Salvador
$225 of $525 raised.
Started raising funds on Mar 9, 2010
Lorena is 39 years old and lives in the small village Cojutepeque, located in the Cuscatlán department. She lives with her husband, who works as a driver for the public transport, and her three children, ages 11, 8, and 7. All three attend school full time. Lorena sells beef. Every Sunday morning she buys the meat that she will portion out sell throughout that week. She has many steady customers who like buying from her because of the quality of meet that she sells. She has had this business for many years and she is well known.
She is requesting this loan in order to buy two more heads of cattle each week, in order to increase her inventory and subsequent sales. She already makes many sales, so she is asking for this loan in order to have everything she needs to grow her business.
Translated from Spanish by Hugo Reyes, Kiva Volunteer
$200 of $1,100 raised.
Started raising funds on Mar 1, 2010
Judy Gerra is from the village of Poblacion, Aurora, Zamboanga Del Sur. She is 30 years old. Judy is married and has an infant child. To make a living, Judy owns & operates a specialized retail store selling school supplies and RTW products in the local community. Judy has been engaged in her business for over five years and earns approximately 8,000 PHP a month for these activities.
In 2007, Judy joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Judy has successfully repaid a previous loan of 50,000 PHP from GDMPC. This previous loan was used to purchase new items to expand her product offering. Judy is requesting a new loan of 50,000 PHP, which will be used to invest in expanding the business. This loan will be the fifth loan taken out by Judy from GDMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.
About GDMPC:
GDMPC is one of the most progressive cooperatives in Mindanao, Philippines. It has four branches and three unit offices covering the provinces of Zamboanga del Sur, Lanao del Norte and Misamis Occidental. Its membership is composed mostly of farmers, fisherfolks and small entrepreneurs.
*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
Umedchon Sharipov : Tajikistan
$150 of $475 raised.
Started raising funds on Mar 1, 2010
Umedchon Sharipov lives in the Hamadoni district. He is 34 years old, married and has 9 children. His wife is a homemaker. He lives together with his parents, who are retired. They have a big family. Umedchon is involved in agriculture. He has been growing wheat and vegetables and selling the crops at the market. He is requesting the loan for the purchase of mineral fertilizers. Umedchon intends to plant wheat and gather a good harvest for sale. This way he will make a big profit and expand his business.
Translated from Russian by Anna Sorokina-Hailey, Kiva Volunteer
Rosa Idalia Mancía Gómez : El Salvador
$150 of $600 raised.
Started raising funds on Mar 9, 2010
Rosa Idalia Mancia Gomez is 30 years old and lives in the region of La Paz together with her mother-in-law, brother-in-law, and three young children who completely depend on her and go to school. Owing to a lack of employment, Rosa decided to start her business in order to obtain the money necessary to sustain her children. For this reason Rosa owns a tortilla store where she makes tortillas Monday to Sunday until midday, and on Saturday and Sunday nights she makes delicious stuffed tortillas which sell very well now that there is a lot of demand for her products given their delicious flavor.
Due to a strong desire to get ahead and to provide everything necessary to her children, Rosa asks Integral for a loan with which she will be able to buy premium ingredients to make tortillas and stuffed tortillas, materials such as corn, cheese, beans, and others.
Translated from Spanish by William Gray, Kiva Volunteer
$500 of $800 raised.
Started raising funds on Mar 9, 2010
Anne is a hardworking lady who runs a salon business. She describes her business environment as busy. She previously supplied rice. She has requested for Kes.60,000 loan to buy more salon equipment after successfully repaying a loan of Kes. 80,000. She hopes to open up a cosmetic shop in the future. Anne is a single mother of two.
$450 of $1,150 raised.
Started raising funds on Mar 1, 2010
Married with two children, Mrs. Manzama TCHANGAÏ was born on 5th May 1985 in Lomé. She has a diversified commercial business (sale of shoes, flip-flops ("tapettes"), biscuits, non-branded products and others). Positioned at a strategic point next to the market in her neighborhood, she makes huge profits with her sound and encouraging management. Today, the ever increasing demand from her customers is outstripping supply. In order to get sufficient supplies of shoes, flip-flops, biscuits and non-branded products she is applying for a loan in order to sustain her business and satisfy her customers on a regular basis. The profits she makes from her business will allow her to cover her family's expenses properly and to look after the education of her children.
Translated from French by Alison Le Bras, Kiva Volunteer
$400 of $775 raised.
Started raising funds on Feb 25, 2010
Mohamed Jalloh is a hairdresser and a dealer in cosmetics. Born in 1969, he is married with four children.
Mohamed has a small beauty salon and cosmetic shop along one of the busiest streets in the town. He has two female trainees in the salon and more people are asking him to train them in hairdressing. He has a plan to rent a bigger space so that he can help them.
In fact that is why he needs the loan. Mohamed believes that hairdressing can provide employment for a good number of youths and he wants to help in that direction.
He is very hopeful and believes that his vocation is profitable and can help him to realize his dreams in the near future.
Ana Teresa David : Philippines
$300 of $450 raised.
Started raising funds on Mar 1, 2010
Ana Teresa David is from barangay Upper Loboc, Oroquieta City. She is 36 years old. Ana Teresa is married and has three school-aged children. To make a living, Ana Teresa owns and operates a specialized retail store. While not the only means for generating revenue, the main source of income for the business comes from selling rice in the local community. Ana Teresa has been engaged in her business for over a year and earns approximately 13,000 PHP a month for these activities.
In 2010, Ana Teresa joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Ana Teresa is requesting a new loan of 20,000 PHP, which will be used to purchase additional products to sell. This loan will be Ana Teresa's first loan from GDMPC. She plans to use the additional revenue generated from the business to supplement her family's income.
About GDMPC:
GDMPC is one of the most progressive cooperatives in Mindanao, Philippines. It has four branches and three unit offices covering the provinces of Zamboanga del Sur, Lanao del Norte and Misamis Occidental. Its membership is composed mostly of farmers, fisherfolk and small entrepreneurs.
*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our field partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
$50 of $400 raised.
Started raising funds on Mar 9, 2010
Mr. Phea Phal, aged 29 and his wife, Mrs. Sokhem Leab, also 29, live in a small village along National Road Number three about twenty kilometers from Phnom Penh City. They have been married since 2002 and have three children — one son and two daughters.
Phea has been a construction worker in his village for eight years. In addition, Phea hopes to supplement his income by adding a new trailer to attach to his motorcycle remoque taxi. Phea is asking for his first loan of $400 to purchase a trailer.
Las Doncellas Group : Nicaragua
$100 of $750 raised.
Started raising funds on Mar 9, 2010
The Las Doncellas Group is comprised of hardworking and enterprising women who are looking for a way to help their families get ahead. One of the members is Blanca Ibón Solórzano Osorio, who has been selling telephones for two years. Solórzano states that her business has been very prosperous, which is why she wants to expand it and invest more capital in it.
Meanwhile, Noelia López Sandoval started selling beef stew, and cheese, chicken or bone mondongo (a hearty Latin American soup made of slow-cooked tripe) on weekends. She managed to save enough capital to establish a fritanga--a popular restaurant that sells fried foods.
The other group member is Irma Izaguirre, who has been selling clothing and fragrances for the last three years.
Translated from Spanish by Elizabeth Casian, Kiva Volunteer
$400 of $550 raised.
Started raising funds on Mar 9, 2010
El Trio is a very united group made up of hard working people. One of them is Mrs Gloria Genoveva Soza Mejía who sells Avon products, a brand that is well known in Nicaragua. These products are in great demand by the population.
Her fellow group members are Mayra del Socorro García, who has a stand for recharging telephones, and Gema Iveth Usaga Sosa who sells tortillas. They will invest their loans in their businesses to make improvements and strengthen them.
Translated from Spanish by Shelly Hubman, Kiva Volunteer
Mrs. Thim Heal Village Bank Group : Cambodia
$400 of $2,225 raised.
Started raising funds on Mar 9, 2010
This village bank loan group has sixteen people — all villagers in Sdok village in Takeo province. Mrs. Thim Heal is the group's leader, selected by all the members. She is a farmer who owns a small plot of land where she cultivates rice to support her family. Her husband, Mr. Bous Yorng, has a trailer. The couple has two children who attend the local public school. The school is a long distance from their home so Mrs. Thim Heal decided to apply for a loan to buy a bicycle for her children and also to buy some electric supplies and a television.
Primitiva Coral Rodriguez : Peru
$350 of $700 raised.
Started raising funds on Feb 25, 2010
Primitiva, 60, is married and lives with his wife and the youngest of his three children in Paiján district, Ascope province, La Libertad region, located three hours away from the city of Chiclayo.
He has sold fruit juices for over 20 years. He sells year-round form 6am until 2pm at a small stand located near the center of town; the business helps him meet household expenses.
Primitiva's business is well received thanks to the quality of his product and the good customer service he provides. In addition, his wife sells frozen treats from home. Their combined income has made it possible for them to raise their children.
The heavy rains that occured in the north of Perú a few weeks ago caused parts of his roof to collapse. This has made it necessary for him to ask Edpyme Alternativa for a 2000 new sol loan to help do the needed repairs.
Primitiva is an honest man who is serious about his work. He has collaborated with our institution in the past and has demonstrated punctuality and responsiblity with respect to his repayment obligations.
Translated from Spanish by Michael Bujazan, Kiva Volunteer
Marilou Cipriano's Group : Philippines
$300 of $450 raised.
Started raising funds on Mar 3, 2010
Marilou Cipriano is from the village of Nagrumbuan, Cauayan City, Isabela. She is the leader of a five-member group loan offered by Kiva partner, ASKI. While each member of the group receives an individual loan, they are collectively responsible for paying back the loans of their fellow group members if someone is delinquent or defaults.
Marilou is 23 years old, married, and has one infant-aged child. To make a living, Marilou owns and operates a general store. The main source of income for the business comes from selling daily use products, such as shampoo, soap and toothpaste, in the local community. Marilou has been engaged in her business for over three years and earns approximately 2,000 PHP per month from these activities.
Marilou joined ASKI to gain access to financial services to help improve her living situation and ability to engage in business activities. She is requesting a loan of 4,000 PHP, which will be used to purchase additional inventory and as working capital. This loan will be her first from ASKI. She plans to use the additional revenue generated to improve and expand her business.
About ASKI
ASKI is one of the most successful microfinance institutions in the Philippines. It has 25 branches covering the Central and Northeastern areas. Its clients are mostly farmers, fisherfolk and small entrepreneurs.
*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
$800 of $900 raised.
Started raising funds on Mar 9, 2010
Zenovia is a member of the Anabella Community Bank. She is 30 years old, lives with her partner and has 2 children. Zenovia has a store in her house where she sells vegetables, meat, and groceries; an activity that she performs every day.
Zenovia needs a loan of PEN 2500 that she will invest in the purchase of gas, rice, and sugar.
Her dreams are to have more capital to buy a car so that her husband can work and to install more counters in her store.
Translated from Spanish by Machelle Wilson, Kiva Volunteer
Sovannary Keo's Group : Cambodia
$525 of $850 raised.
Started raising funds on Feb 26, 2010
Six people are made a group loan who all live in Tep Archun village in Kandal province. Mrs. Sovannary Keo is a group leader who has been selected by all the members they will use a loan in different purpose. She is house wife and her husband, Mr. Vo Nhean, is a laborer construction. This couple has seven children, one of whom is employed in garment factory, another is a sewer, another is in mobile phone repair, and the others are attending a local public school. However this family tries to work hard, so they can earn more income. Thus, in order to improve condition family living, Mrs. Sovannary Keo decided to ask for a loan to buy telephones to re-sell for starting her new business.
$150 of $1,200 raised.
Started raising funds on Mar 1, 2010
Jamal is a 20-year-old single man living with his parents and 2 brothers. He cooperates with his father and brothers towards the family’s income. He has been working as an electrician for the past 4 years. During those 4 years, he has built up his experience and he has become able to take on more projects and electricity maintenance work. Today, Jamal is asking to borrow $1,200 to renovate his shop and to buy new electric tools needed to meet the need of the market and to develop his work.
Santiago Sabino Sánchez Zapata : Nicaragua
$25 of $1,200 raised.
Started raising funds on Mar 1, 2010
Santiago Sabino works hard as a small farmer. He raises cattle in the town of Nagarote in León, Nicaragua, where he has gained a great deal of experience raising these animals. He is asking for a loan to invest in the purchase of four young cows. He hopes to raise these cows and use this as an opportunity to sell their milk commercially.
He hopes that the loan will be funded so that he can buy the cows and continue with his work.
Translated from Spanish by Catherine Fountain, Kiva Volunteer
Fuente De Vida 1,2,3 Group : Dominican Republic
$2,000 of $3,275 raised.
Started raising funds on Mar 4, 2010
Sobeida is the coordinator of her group 'Fuente de Vida' (Source of Life), and her story is representative of her group and of Esperanza's Haitian and Dominican clients (many of whom recently emigrated to the DR from Haiti) generally. Her group is located in the areas surrounding La Romana, an agricultural area based around the sugarcane harvest where running water (none of which is potable) and electricity are unreliable. She makes her home here in a simple structure with her long-term partner and their three children.
Sobeida is excited to be taking her second loan with Esperanza after having successfully repaid her previous loan and grown her business. She plans to use this loan to invest in her business running a small 'colmado' or corner store, and she will invest by purchasing the essentials, rice, beans and cooking oil, to sell in her store. She will use the profits to save towards investing in her business further. She thanks you all for your support.
$125 of $1,200 raised.
Started raising funds on Mar 5, 2010
Fidaa is a 40-year-old married woman and mother of 4 school-aged children. In 2005, she opened an accessories and make-up shop in her town after seeing a need for such services in the region. Her business developed automatically and she has started distributing her products to beauty salons and making a good profit.
Today, Fidaa is requesting to borrow US$ 1,200 to buy the latest collections of products and accessories for the new summer season so as to be always up-to-date with the market.
$375 of $1,000 raised.
Started raising funds on Mar 8, 2010
Igbinidu is 54 years old, and he is married with 8 children. Igbinidu is very reliable when it comes to repayment and repays his loans on time. He has been in LAPO microfinance for some years with a good record. With the profits from the pig farm, he takes care of his family and also manages his business. He has the support of his wife and children for his farming business.
Igbinidu hopes to expand his farm by purchasing more pigs. He is requesting a loan amount of NGN 150,000 to purchase more pigs for farming and to maximize his profit. He appreciates all Kiva lenders for their huge support.
$575 of $3,175 raised.
Started raising funds on Mar 9, 2010
This group's name is Natanael, in honor of the patron saint of their town, "San Bartolo," known in Nahuatl as Natanael.
The group is located in the community of San Bartolo Cohuecan in the state of Pueblo, Mexico. It is very close to the border with the state of Morelos. The group is made up of 12 members, and this is the first time they are requesting a loan from Credicomun.
Eva Salazar Velazquez is the treasurer of the group. She is 31 years old and has only had an elementary level education. She is a potter and has 3 children, (a 10-year old daughter, a sixteen-year old son and a 5-year old son). She started making her living making pottery when she was 11 years old and has been doing so for 20 years; it is a family tradition. She is requesting the loan to purchase the raw materials she uses, like mud, wood, coloring agents and other supplies. Her dream is that her children become professionals and have a better dwelling, since a few years ago their ceiling was made of sheets of cardboard. It is now made of concrete; thanks to the earnings from her business, they have improved it.
The names of the members of the group are:
Dulce Maria Aragon Genis sells bread.
Maria Tomasa Genis Genis sells bread.
Maria Teresa Morales Velazques makes her living making pottery.
Claudia Arellano Diaz makes her living making pottery.
Florencia Velazquez Perez makes her living making pottery.
Carmela Montes Ramos makes her living making pottery.
Crispina Espana Luna makes her living making pottery.
Josefina Perez Oliver makes her living making pottery.
Guillermina Alvarado Aragon makes her living making pottery.
Maria Isabel Paredes Vazques makies her living making pottery.
Maria Claudia Diaz Genis makes her living making pottery.
Translated from Spanish by Marni Siegal, Kiva Volunteer
$75 of $700 raised.
Started raising funds on Mar 5, 2010
Mohamad is a 28-year-old married man with two young children. He has owned a chocolate and sweets shop since 2006 and has seven years of experience in this occupation when he was working in a friend's shop. He cooperates with his wife to provide better living conditions for their kids. He presents his products on shelves so it is easy for his clients to choose.
Today, Mohamad is requesting to borrow $700 to add more merchandise to increase his sales and his income.
$150 of $250 raised.
Started raising funds on Mar 8, 2010
Rey Pérez is 38, and he has three children. His wife is a housewife. He works as an assistant tailor in a business in the free-trade zone. He started it with the help of a friend because things had been difficult for him. He used to work in security. They never raised his salary, and it did not cover the basic expenses. This worried him. Now he is a little better because he earns a bit more with extra hours. It has been stabilizing.
He used the loan to invest in improvements to his small house. With his previous loan he made progress on a room, but he did not finish due to lack of money. That is why he is asking for this loan in the hope of finishing it so that it will be in better condition. He will buy the needed materials to change the roof and continue with the improvement.
Translated from Spanish by Ginny Kalish, Kiva Volunteer
$425 of $675 raised.
Started raising funds on Mar 9, 2010
Maria sells iced and dried fish in one of the local markets in Asaba. Dried and iced fish are used in the preparation of mouth watering Nigerian soup. She has been in this business for a long time and uses her experience in business to attract and retain more customers. With this business, she provides the basic family needs.
Maria is a widow with a child and is also a grandmother. She hopes to expand her business but her challenge is funds. She hopes to overcome this challenge. She hopes for a loan of NGN 100,000 to purchase more dried and iced fish to sell. She says thanks to all Kiva lenders.
$150 of $550 raised.
Started raising funds on Mar 9, 2010
Florance is a Yoruba by tribe. She is 39 years old, married to a carpenter and they have four children who are in the primary school. She is hair dresser and she also sells hair extensions at retail prices. She makes lovely Nigerian and western hair styles for her customers. She is requesting for a loan of N80,000 to purchase more hair extensions to sell. She says thank you to all kiva lenders.
$6,125 of $10,000 raised.
Started raising funds on Feb 13, 2010
Medardo and his wife moved their women's clothing import-export business from Mexico City to Miami in 2006, hoping to better serve their increasingly global client base. Their decision paid off since their business has steadily grown; they now have an employee and clients who sell their products locally.
Medardo and his wife, originally from Honduras, heard about ACCION USA from their daughter. The proceeds of their loan will be used to purchase bathing suits and sportswear and other items from their suppliers' Summer 2010 collection. This investment ensures that they can fill orders fast, better serving their clients and, hopefully, increasing profits.
About U.S. Microfinance and ACCION USA:
Have you ever thought about how the cute new café on your corner or the salon you frequent every month got the financial resources to start their business? Chances are, they drummed up support from their friends and family, dipped into their personal savings, used a high-interest credit card, or all of the above. An estimated ten million small businesses in the U.S. face difficulty obtaining loans from traditional banks, even prior to the current “credit crisis”. Microfinance institutions, like ACCION USA, support these “unbanked” small businesses by giving them access to fairly-priced capital and business education.
Small businesses also help stabilize low- to moderate-income neighborhoods and rebuild our economy through income growth and job creation. Self-employment provides workers with a way to increase their incomes, support their families, and strengthen their communities. As unemployment rises in the U.S., more and more people are turning to self-employment and start-up enterprises as a way to take control of their economic futures and provide employment opportunities in their communities. The need for support of small businesses in the U.S. is great, and it is one that ACCION USA has been striving to meet since 1991.
$225 of $1,100 raised.
Started raising funds on Mar 1, 2010
Suon Kuntha, 37, is a resident of Phnom Penh, the capital of Cambodia, where she has established a small family home and lives with other family members. She is married to Bun Sokha, 41, and has three school-aged children, who require her financial support. Her husband owns a small truck that he uses to pick up merchandise or garment workers for a profit. In order to earn an income, Suon Kuntha buys clothing in bulk from the factory and from her wholesale supplier and sells it at retail prices in the local public market. Suon Kuntha is taking out her loan to buy a new motorcycle which will allow her children to ride to school.
$175 of $850 raised.
Started raising funds on Mar 9, 2010
Bintou Sané, aged 53, is married and the mother of six children in her care. She has been a member of the credit association of Alwar for eight and a half years and was granted 17 consecutive loans which she always repaid without difficulty. The loans have enabled her to expand her small business. She buys palm oil and lemons and sends them for sale to her daughter who lives in Dakar, the capital city of Senegal. Bintou uses her profit to participate in the daily household expenses of the family.
Translated from French by Robert Mouris, Kiva Volunteer
El Esfuerzo De San Felipe Group : Mexico
$1,325 of $2,700 raised.
Started raising funds on Mar 9, 2010
This group is called “El Esfuerzo de San Felipe” (San Felipe’s Effort) because that’s the name of the place it was formed and the members state that it will be their union of efforts. It is located in the Felipe Coamango community, Chapa de Mota municipality, Estado de México, México. It has 10 members and this is their first loan request to CrediComún.
Zenaida Laguna González, 26, is group president. She finished 6th grade and is a housewife and a merchant. She has 4 children. She has sold cosmetics for the last 2 years; she also raises chickens and turkeys. She is asking for funds to stock up on cosmetics and perfumes to sell.
Zenaida Contreras Evangelista, 47, is a group member. She finished 6th grade, is a housewife and farmer. She has 7 children; 3 girls and 4 boys, all of whom are married. She has raised calves for the last 8 years. She is asking for funds to buy feed and pasturage for the calves she already has and, once they reach proper weight, sell them and buy new ones to raise and continue with the business.
At the moment of asking for this loan, she feels motivated and supported because she’s a new open door. She wants this loan to fatten up her calves and help her business to grow. She has always raised animals and considers this to be a profitable business because she has made profits from them that have made it possible for her to buy chickens and turkeys, which have been life savers sometimes and they have always been a sure source of nourishment for her family so that food has never been lacking. Similarly, she has bought donkeys that she uses to transport cargo because, without them, the work would be much too heavy. In addition, she has been able to invest in home improvements thus improving her quality of life. She hopes that her equity will continue to grow so that someday, when she and her husband are no longer able to work, they will have a bit of savings put away to live with dignity.
The other members of the group are:
- Ana Rosario López Contreras (Sale of napkins and embroidery)
- Rigoberta López Contreras (Raises chickens)
- Josefina García Alcántara (Catalogue shoe sales)
- Asunción Alcántara Cisneros (Sells prepared meals)
- Rosalba Velázquez Castro (Clothing sales)
- Ysidra Zepeda Moreira (Clothing sales)
- Ana Cristina castro Blas (Sale of cooking utensils)
- Adriana López Contreras (Handicrafts sales)
Translated from Spanish by Michael Bujazan, Kiva Volunteer
$100 of $675 raised.
Started raising funds on Mar 9, 2010
Patricia is 35 years old; she is a widow with a child. Her child is 15 years old and is in the higher institution in Delta State, Nigeria. Patricia lost her husband five years ago and life has never been the same again.
Patricia is a newspaper vendor and she also sells drinks at retail prices. She has been in these businesses for a long time and uses her experience in business to attract and retain more customers.
Patricia is requesting NGN 100,000 to purchase more newspapers and drinks to sell. She says thanks to all Kiva lenders.
Luzviminda Salinas : Philippines
$50 of $550 raised.
Started raising funds on Mar 9, 2010
Luzviminda a 45-year old married woman from a barangay (district) called Manghanoy in La Castellana. She is married and has four children between the ages of 6 and 21. She is a very busy woman, acting as an entrepreneur and member of Project Dungganon as well as the treasurer of her barangay.
Luzviminda runs several businesses like a pig-fattening operation and a rice-retailing business. Using her loan from Project Dungganon (NWTF’s micro-finance division), she is going to purchase more rice to resell. She buys approximately twenty-five sacks of rice at a time, at approximately 1,500 pesos per sack. She is able to sell them for 1,700 to the community, for a profit of 5,000 pesos for each set of twenty-five.
One major problem is that sometimes the creditors don’t remember to pay their debts, which means Luzviminda has to wait. More often than not she is paid for her wares, though it can be a struggle. Eventually she would like to own a parcel of land of her own. Manghanoy is a good area for farming, with rich soil.
One of Luzviminda’s children just graduated from college and is looking for a job. Luzviminda has job working as a treasurer, handling the distribution of the government money for her community. She has to go to the barangay hall every day to work with the barangay officials in handling the finances, keeping records, writing reports, etc. She is compensated at 6,000 pesos per month, and is certainly earning it with all of the work she is putting in. During the day, her husband helps to take care of her piggery.
Luzviminda is a member of good standing. She is working hard to achieve her dreams and aspirations for her family which are to provide them with a brighter future and a more comfortable life.
About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means Honorable). Through the alleviation program, NWTF is empowering these women to progress out of earning less than $1 a day to achieving realities that surpass even their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed to a member of a community who has earned the respect through a lifetime of hard and honest work.
$1,075 of $1,500 raised.
Started raising funds on Mar 5, 2010
Ali is a 40-year-old man who lives in the Bekaa with his wife and their eight children. Ali has been selling fruits and vegetables for two years now. He sells iceberg lettuce, tomatoes, cucumbers, peppers, radishes, potatoes, apples, oranges and more, depending on the season. He is special in his work because his clients feel comfortable buying from him since he sells good quality merchandise. His clients are friends, neighbors and people from his region. He decided to open his shop because it was well-located; it is demanding work. He requested a loan from Al Majmoua in order to purchase fruits and vegetables. This is the first time that he has requested a loan.
In the future, he plans to keep on improving his work by diversifying his merchandise and to start offering more exotic fruits, depending on the season.
Cecília Jeremias Tivane : Mozambique
$25 of $500 raised.
Started raising funds on Mar 9, 2010
Cecília Jeremias Tivane was born in the district of Boane, Maputo Province, in southern Mozambique. She is 42 years old, and a widow and mother of two children, 23 and 17 years of age. Both children attend school. She only went through the 7th grade, and wasn't able to continue because of her family's difficult financial circumstances. She lives in her own home with her sons, and also supports her mother by sending her money and food.
She left Boane for the city of Matola after she got married. She's owned her own business for more than 18 years. She works on her own, sometimes with her daughters' help, and sells wooden beds, tables, and bookshelves. She earns 12,000 meticals per month, which she uses to cover household expenses, and is even able to save some in her bank account.
She's never received loans from other banks. She learned about Hvuluku through her customers who are alsoHvuluku clients. This is her second loan, in the value of 16,000 meticals, which she intends to use to purchase materials (wooden trunks, beds, tables, bookshelves, etc.) to increase her stock. She also used the previous loan of 10,000 meticals for this purpose.
She's committed to paying this loan off on time so that in the future she'll be eligible for others. She'd like to request other loans to finish off her residence and build a structure from which to run her business.
Translated from Portuguese by Andrea Rosenberg, Kiva Volunteer
$825 of $1,000 raised.
Started raising funds on Mar 8, 2010
Francisco Huaqui lives with his wife and two children in his own house in the Pasankeri area on the hillside to the west of La Paz. Francisco is a builder, and he does bricklaying work in private houses. His wife is a domestic employee. Their income supports the family.
The requested loan is to build a retaining wall to stabilize the floor of their house and not run the risk of cracks and sliding.
This is the eighth time he has asked for a loan. The completed evaluation qualifies him for the loan.
Translated from Spanish by Ginny Kalish, Kiva Volunteer
$1,800 of $3,575 raised.
Started raising funds on Mar 9, 2010
This group is called “Violetas” (Violets) because the members identify with these beautiful flowers. It is located in the Casa Blanca community, Puebla, México. It is composed of 11 women and this is their second loan request.
Victoria Morales Zurita, 41, is the group president. She finished middle school and is in catalogue shoe sales. She has a 5-year-old daughter that depends on her and her husband has been a mechanic for 6 years.
Her customers are of the opinion that Vicky is a woman who likes to get ahead; she is an independent, enterprising woman who seeks a better life for her family; her goal in life is to provide a good education for her daughter so that she won’t suffer through the needs she, herself, has endured in the past.
She is requesting funds to buy a block of shoes to fill her pending orders.
Flora Cruz Matilde, 21, is married and has two children, who are 2 and 3 years old. Her husband is a construction worker. She only finished elementary school and has been making home-made tamales to sell for the last 3 years. She learned how to make tamales following her grandmother’s recipe so they have a homey flavor. She wants funds to buy a tricycle (three-wheel delivery cart) that will make it possible for her to transport her product from where she makes the tamales to sales locations that are farther away.
Her customers know her as being a young, enterprising woman who, at the moment of asking for this loan, is happy about the trust that was placed on her by her fellow group members despite her youth.
Success, for her, is providing a better education for her children so that they won’t suffer through the same needs she did as a child.
The other group members are:
JUANA FLORES VILLALBA TINIXCATL – Sells cosmetics
BEATRIZ DIANA GARCIA SOTERO – Sells cosmetics
ANA MIRIAM GASPARIANO ALVAREZ - Sells cosmetics
ROSAURA HERRERA GASPARIANO - Sells cosmetics
MARIA ANTONIETA JUAREZ MONTAÑO - Sells cosmetics
MARIA DEL CARMEN LOPEZ JULIAN – Sells typical Mexican fast-food
SUYAPA MEDINA OVIEDO – Sells silver
JOSEFINA REYES QUIZAMON – Shoe sales
MARTINA NOLASCO CARRASCO - Shoe sales
Translated from Spanish by Michael Bujazan, Kiva Volunteer
$200 of $2,000 raised.
Started raising funds on Mar 1, 2010
Vahid Sharifov is 52 years old, is married, and has two children.
For more than twenty years Vahid has been selling fruits and vegetables such as potatoes, onions, carrots, apples, bananas, etc. His business begins early in the morning at 5:00 a.m.
Vahid buys vegetables from the local farmers wholesale and sells them in the market. Moreover, he is trading in a market that is known among people because of the attractive prices. All this allows Vahid’s business to generate a stable and considerable income for his family.
Today, Vahid is planning to purchase new, fresh vegetables to sell in order to increase the range of his goods. For this purpose he applied for 1,600 AZN. The well-being of this family is in your hands.
$175 of $1,800 raised.
Started raising funds on Mar 8, 2010
Roudayna is a 32-year-old married woman. A mother of three young children, she opened a clothes and women’s accessories shop five years ago to help her husband with the family's income and to pay for their children's schooling.
Today, Roudayna is asking for her second loan of $1,800 to buy additional merchandise to fill her shop with because it's situated in a busy area. She has been able, over the years, to have a growing number of clients pass by her shop and she needs to be always on top of their requirements.
Obadiah Marwanga Bagwasi : Kenya
$275 of $1,175 raised.
Started raising funds on Feb 27, 2010
Obadiah is 31 years old and married and has one child who attends school. He has been running a textile business for eight years. Previously, he worked for the G4S Security Group, but currently he has no extra source of income.
Since he joined Faulu Kenya, he has been able to expand his business and has become financially stable. He hopes to supply masses of clothes and other textiles country-wide. He describes himself as hardworking and hopes to provide a better education to his children.
He has requested a loan of Kes 90,000 to add to his stock of children’s clothes.
$200 of $350 raised.
Started raising funds on Mar 2, 2010
Evelyn Hisona is a 42-year-old married woman who lives in Bongalonan, Basay, Negros Oriental. She earns her living through her general store and rice retailing businesses.
Evelyn’s 57-year-old husband, Ramon, works abroad. They have 1 child who is currently going to school and also helps the mother in the business as part of the daily chores.
Evelyn joined NWTF-Project Dungganon in 2007 in the hope that she would be able to help her husband improve the quality of life of their family. With the help of her loans from NWTF-PD she has been able to increase their family income by engaging in her general store and rice retailing businesses. She now earns an average monthly income of Php 4,000 from her business activities.
Evelyn is a member in good standing. Her previous loan of Php 15,000 was used to fund operations for her general store which has had a positive impact in both the business and the family’s living conditions. Now she is borrowing her 6th loan in the amount of Php 16,000, which she intends to use for her general store and rice retailing businesses. Evelyn is working hard to achieve her dreams and aspirations for her family, which is to provide them with a brighter future and a more comfortable life.
About NWTF:
In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means Honorable). Through the alleviation program, NWTF is empowering these women to progress out of earning less than $1 a day to achieving realities that surpass even their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed to a member of a community who has earned the respect through a lifetime of hard and honest work.
$175 of $1,200 raised.
Started raising funds on Mar 3, 2010
Mohamad is a 40-year-old married man with three unemployed children. He has been working as a farmer for the past 15 years and in 1999, he opened his own business. He started cultivating all type of citrus fruits. He distributes the harvest to the agriculture market. He’s thankful for his business income because he's allowed to raise his three children.
Today, Mohamad is requesting to borrow $1,200 to purchase new farming merchandise such as fertilizers, seeds, and farm supplies in order to cultivate his land for the new season coming.
$250 of $2,000 raised.
Started raising funds on Mar 3, 2010
Ulker Hajiyeva is 41 years old and has sold foodstuffs in her grocery for ten years. She began her business as a street vendor near the local school of her community. Over time, she has expanded her business and now she has a stall in the central bazaar.
Every week Ulker travels to the neighboring town to purchase new goods. Currently she is requesting a loan of 1600 AZN to purchase foodstuffs to expand her business. She needs this to provide a bright future for her three beloved children.
Ulker sincerely thanks everyone for supporting her and promises to be accurate with her loan repayments.