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.
Kabweeza Intergrated Development A, Mubende Group : Uganda
$2,525 of $2,825 raised.
Started raising funds on Jul 23, 2010
Second-hand clothes are in high favour with many people in Uganda. Not one to be left out of this lucrative opportunity presenting itself in his home area of Kyakato, Mubende, Emmanuel Bazaala, a hardworking, dependable and lively 52-year-old, made a decision to capitalize on it. With the money he saved conducting his other businesses, he bought his first consignment bales of used clothing.
Despite fluctuations in his business fortunes, Emmanuel's resilience has enabled him to make enormous headway, reflected by the fact that he earns 150,000 Ugandan shillings monthly. A man who likes taking a long view, he has drawn up a plan to expand his second-hand clothing business into a big franchise. With this loan, Emmanuel is optimistic he will be empowered financially to realize his dream as he anticipates fully educating all of his children and building a permanent house for his family.
Ozodjon Abdurakhimov : Tajikistan
$2,025 of $2,300 raised.
Started raising funds on Jul 27, 2010
Abdurakhimov Ozodjon is 19 years old and is a young and very energetic guy. For more than three years, together with the help of his family, he has been running a small business selling different kinds of detergents like soap, shampoo, toothpaste, shaving cream, washing powder and many other items in his store. In the picture you can see Ozodjon (a guy standing the left) and his friend.
Today, Ozodjon is requesting a loan of 10,000 Somoni to increase his stock. He is ready to work even harder, make sacrifices and push every once and a while to achieve his goal and become a successful entrepreneur.
Ozodjon’s main goal is to build his own house and have a happy family. At IMON, we believe his perseverance and clear vision will become key success factors in his small business.
More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium B.C. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj.
$25 of $225 raised.
Started raising funds on Jul 30, 2010
Cecelia Cuba is from the city of Bañadero Ozamiz City. She is 42 years old. Cecelia is married and has four adult-aged children. To make a living, Cecelia owns and operates a general store, selling a variety of different products, such as salt, sugar, candies, biscuits, noodles, canned goods, etc., in the local community. Cecelia has been in business for more than five years and earns approximately 10,000 PHP a month.
In 2007, Cecelia joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Cecelia has successfully repaid a previous loan of 20,000 PHP from GDMPC. Cecelia is requesting a new loan of 10,000 PHP which will be used to purchase additional products to sell. This loan will be the seventh loan taken out by Cecelia from GDMPC. She plans to use the additional revenue generated from the business to improve her family's general living conditions.
About GDMPC:
GDMPC is one of the most progressive cooperatives in Mindanao, Philippines. It has four branches and three 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.
Hatanbaatar Ulzii-utas : Mongolia
$1,200 of $1,850 raised.
Started raising funds on Jul 25, 2010
Hatanbaatar Ulzii-Utas is 34 years old and lives with his wife and two children in Arhangai province, in central Mongolia. He and his family live together in a ger, a traditional Mongolian nomadic tent. His two sons attend a local middle school. Hatanbaatar and his wife operate a clothing retail business in their town. He began his business in 2003. At that time he operated his business in a rented stall at the local market. He has since expanded his business and currently his working capital is approximately 2,680,000 MNT. He plans on opening his own store one day. He says, “My only wish is to be able to afford my children’s education and to help them lead good lives.” Hatanbaatar is requesting a 2,500,000 MNT loan in order to import more goods from Ereen, a border city of China, to attract new customers.
$1,250 of $1,500 raised.
Started raising funds on Jul 23, 2010
Bobokhonov Ahmad is a lively entrepreneur with a small business selling shoes for teenagers. He is experienced entrepreneur having been self-employed for the past 10 years. Business has been good for Ahmad. There is always demand for clothing and as the economy has improved in Tajikistan more people have been able to afford new clothing. Ahmad is married and has two children. He is doing all his best to ensure his children with the best future. Ahmad has requested a loan of 6500 Somoni to increase his available working capital. Eventually, Ahmad hopes to have his own small store. This loan will help him purchase new inventory and continue to invest in his business.
More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj
$1,075 of $1,600 raised.
Started raising funds on Jul 23, 2010
Kosimov Nasim lives in Rudaki. He's twenty-three years old, single and has a high school education. He owns a small shop on the central market of Dushanbe, where he sells women's lingerie, something he has been involved in for over five years. This is a profitable business. He's asking for a loan to provide some variety in his range of products. With the profits, he would open a store.
Translated from Russian by Alex Kostrubsky, Kiva Volunteer
$900 of $1,500 raised.
Started raising funds on Jul 22, 2010
Amin is a 49 year old man who dedicates his time to driving a taxi and a microbus. He currently relies on two vehicles for his public transport business, one of which he drives personally, and the second he lets on lease. He has a wife and three children. Amin has about 15 years of experience in the public transportation field, and the competition is rather high in this business, since there are so many people who need it. His current request is so that he can maintain his vehicle, since this is the tool of his trade. So now, Amin is counting on your help and requesting a loan of $1500 USD. With the loan he’ll purchase the spare parts for his microbus. With your support, Amin will continue to progress.
More about Tajikistan and IMON International:
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History:
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj
Ilhomjon Urunboev : Tajikistan
$625 of $2,000 raised.
Started raising funds on Jul 22, 2010
Ilhomjon Urunboev is a young clothing merchant from Istaravshan, Tajikistan. He started his small business when he was in his late teens and gradually, though much hard work, he has been able to develop it into quite a successful enterprise. Ilhomjon has the qualities it takes to succeed as an entrepreneur. Goal-oriented, hard-working and punctual, he is a natural businessman.
Funding from IMON International has been instrumental in helping Ilhomjon build his business. His first loan was for $1,500 and since that time, he has benefited from one additional loan while establishing a great credit history.
He has requested a loan of $2,000 to add to his available working capital. The ability to purchase large quantities of inventory in bulk saves time and expense for merchants such as Ilhomjon. He appreciates the availability of funding through IMON International. It allows him to take advantage of good opportunities and focus on growing his business so that he is able to adequately provide for himself and his family.
More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a being key post along the Silk Road, and for the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low-income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj
$1,150 of $1,200 raised.
Started raising funds on Jul 26, 2010
The Kiva borrower is a 24-year-old single man living with his mother and 3 siblings. After the death of his father, he decided to stop his education and start working to earn income for his family. He started working as a constructor specialized on gypsum board work. He works with his brothers to cover the family expenses, home rental, hospitality expenses etc. He has been involved in his occupation for the past 5 years and he has been able, despite his young age, to build a good business reputation where a lot of entrepreneurs ask for his construction services. He is asking to borrow $1200 from Kiva partner Ameen s.a.l. to purchase additional construction tools because his work is increasing and he needs to be prepared for any new projects.
Note: Based on the political and social challenges of Lebanon, personally identifiable attributes of this entrepreneur have been altered to protect him or her (i.e., blacking out portions of the entrepreneur in his/her picture, not indicating his/her name and location, etc.) Ameen s.a.l. appreciates Kiva lenders' understanding of these challenges and encourages lenders to continue their support for Lebanon's borrowers.
About Ameen:
Ameen s.a.l. has been a major player in the Lebanese Microfinance sector since 1999. Originally, a micro-credit program created by CHF International, Ameen evolved to become Ameen s.a.l. in 2003, a Lebanese services company. In 2007, Ameen s.a.l. registered with the Central Bank of Lebanon to become the first Lebanese financial institution specialized in Microfinance.
At Ameen s.a.l. we pledge to provide financial services to the largest number of micro and small entrepreneurs and to the working poor, to help them develop their businesses and improve their incomes.
Ameen has been able to use its interest-free loans Kiva to offer lower-interest loans with faster disbursement for their micro-loan borrowers. Since its inception, Ameen has provided high-quality financial services to over 41,000 borrowers and disbursed over 81,000 loans totaling $115 million. To learn more about Ameen, please visit http://partners.kiva.org/partners/115
$450 of $1,300 raised.
Started raising funds on Jul 26, 2010
Ali is a 39-year-old married man from Lebanon. Ali is the owner of a shoe store since 2008, with 7 years of experience as an employee in the same field, formerly with his brothers. Ali requested a loan from Al Majmoua in order to buy new collections, especially before the coming holiday occasion, Ramadan. Ali believes that to stay in the market you have to keep in your store a wide variety of shoes so that clients won’t leave your store buying nothing, and you have to fulfill all tastes. This is Ali’s third time to request a loan from Al Majmoua, where every time he uses itfor the same goal, and he gets the requested result. Ali is proud of what he achieved since he stopped working with his brothers and hopes to expand his business to wholesale in the future.
$1,025 of $2,000 raised.
Started raising funds on Jul 26, 2010
Awadallah is a 29-year-old man from Jenin. He got married a couple of years ago. Awadallah had to borrow money from friends to pay for his wedding expenses because he is a school teacher with a relatively low income. Therefore, he came to FATEN to take a $2,000 dollar loan to repay his debts.
Awadallah is thinking of starting a business to guarantee a better future for his family in Ramallah and is looking forward to work in the Ministry of Higher Education.
In the picture above, Awadallah apears in the FATEN office.
Luis Bayardo Rivera Caceres : Nicaragua
$525 of $950 raised.
Started raising funds on Jul 22, 2010
Luis Rivera is a young man who is 28 years of age, married, and has a nine month old daughter. His wife is a homemaker. They have lived in the community of Valle Nuevo for the past ten years.
Luis has been a municipal employee of the City of Chichigalpa for two years. He works as a trash collector at the municipal market. CEPRODEL granted him two previous loans so that he could finish the extension to his house. With this loan he plans to buy construction materials so that he can have better living conditions.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
$1,525 of $2,500 raised.
Started raising funds on Jul 23, 2010
Cavidu is 22 years old. He is not married and lives in the city of Baku. He is not going to the university and decided to take his grandfather's profession which he taught him when Cavidu was very young. At this time he needs 2000 AZN to buy new equipment because his equipment was his grandfather's and is very old. He wants to buy this new machinery to improve his business.
Translated from Russian by Elena Bortnikoff, Kiva Volunteer
$925 of $2,500 raised.
Started raising funds on Jul 23, 2010
Faig is married and has two children. He is 42 years old. He has relocated from Agdam which is an occupied Karabah territory and now lives in Baku. His children go to school and also take music classes.
Faig Muhtarov has been in the business of selling clothing for seven years. At this time he needs 2000 AZN to buy new clothing to prepare for the autumn and school season and he wants to buy seasonal school clothes for boys.
Translated from Russian by Elena Bortnikoff, Kiva Volunteer
$825 of $1,000 raised.
Started raising funds on Jul 23, 2010
Ali is a 51-year-old man from Lebanon, married with 7 children. Ali has owned a grocery store for 10 years. This is Ali’s first time requesting a loan from Al Majmoua. He plans to use the loan to buy extra refreshments (cold soft drinks) for the summer season to increase his store’s goods and income. This helps to improve his family's income. Ali’s dream is to own a bigger grocery store in the future, which will provide a good income for his seven children, whom he hopes will work with him to improve the business.
$550 of $3,000 raised.
Started raising funds on Jul 23, 2010
Ismoil supports his family with a small business selling men’s and women’s clothing. He operates from a little space at the central market in Penjikent, Tajikistan, where he maintains a nice variety of clothing to choose from. Ismoil has been in business for 6 years. With good quality products and affordable prices, he has developed a solid customer base, and his business continues to grow. Ismoil has requested a loan to increase his working capital and allow him to purchase new inventory. This loan will help Ismoil maximize his profits and provide for his family.
More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. It has also produced great thinkers, philosophers, scientists and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. And, even today, it is a complex mixture of the Islamic faith, Soviet culture, New West culture and Central Asian traditions.
But Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve its agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients represent a viable business proposition. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj
Cesar Augusto Suarez Proaño : Ecuador
$600 of $1,000 raised.
Started raising funds on Jul 23, 2010
Cesar is 48 years old and lives in the suburban zone of Guayaquil. He is in the door-to-door transportation business. He used to work for another company, but his contract expired and he was let go and had to find another job. He was not able to find other work, so he began working as a driver. Since then, this has been his livelihood with which he supports his wife and two daughters. He works from 6:30 AM to 7:00 PM every day and wants his family to have the best, so he is requesting this loan so that he can buy cement and cinder blocks so that he can refurbish his home. In the future he would like to have a playground in his patio area.
Translated from Spanish by Hugo Reyes, Kiva Volunteer
Abdumalik Abduhafizov : Tajikistan
$550 of $3,000 raised.
Started raising funds on Jul 22, 2010
Abduhafizov Abdumalik is a talented entrepreneur with a successful business selling clothing and shoes for teenagers. He is not married and lives with his parents. Abdumalik started his business 15 years ago out of a desire to earn a living and meet people’s clothing needs. He sells clothes that are both popular and affordable, which helps to ensure a strong demand for his products. Abdumalik is a serious business-owner who wants his business to be the best it can be while continuing to grow and be profitable.
One of his main goals is to have his own family and to build his own house. Abdumalik has requested a loan of $3000 USD to purchase new inventory. The change of seasons makes this a busy time of year for business-owners like Abdumalik. This loan will help him keep a good supply of inventory on hand so he can meet customer demand and make a good profit.
More about Tajikistan and IMON International
Tajikistan is known for its rich history, which includes a key post along the Silk Road and the end of Alexander the Great's rule. Tajikistan has also produced great thinkers, philosophers, scientists, and poets, including Rudaki, Avicenna, Ferdowsi, Omar Khayyam, Jomi, and Rumi. The country is home to communities that still speak the ancient Sogdian language, epic mountain passes, and a civilization that dates back to the 4th millennium BC. Today, Tajikistan is a complex mixture of the Islamic faith, Soviet culture, New West culture, and Central Asian traditions.
Tajikistan is also the poorest of the former Soviet republics. The civil war, which ignited soon after its independence from the U.S.S.R., further damaged the already weak economy. In addition, 93% of the country is mountainous and only 7% of the land is arable. These conditions have resulted in high levels of unemployment and have forced hundreds of thousands to seek work in other countries, mainly Russia. While the people of Tajikistan are working to improve their agricultural production and manufacturing sector, nearly two-thirds of the population still live in abject poverty.
IMON's History
Since December 2007, IMON International has worked closely with Kiva and Kiva lenders to ensure that poor and low income clients have the opportunity to have a viable business. Funds raised through Kiva have already been distributed to thousands of IMON International's clients and will continue to provide thousands more with permanent access to the varied financial services they need. To learn more about IMON International's work, please visit: www.imon.tj
$800 of $3,000 raised.
Started raising funds on Jul 22, 2010
Umed Kuzibaev lives in Abdurahmon Jomi. He is 39 years old, married, and has no children. His wife is a housewife. Umed has a higher education as an economist. He worked in his trade for two years. Now he works trading in the market. He sells building materials. He has been doing this work for four years. He is taking out a loan to increase his sales.
Translated from Russian by Melissa Kniazeva, Kiva Volunteer
$1,050 of $1,500 raised.
Started raising funds on Jul 26, 2010
Rasheed is a 25-year-old young man. Rasheed lives with his parents and cares for them. Rasheed's father owns a small piece of land and he helps Rasheed grow vegetables and fruits to sell. One year ago, Rasheed opened a small internet cafe to help his parents and save money to get married. Rasheed is also a college student, so his income is divided between helping his family, and paying for school and marriage expenses.
Rasheed needed a $1500 loan to cover the rest of the wedding expenses, so he came to FATEN office in Nablus, where he stands in the picture, to take a loan.