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.
$875 of $1,025 raised.
Started raising funds on Mar 12, 2010
Kate is a LAPO client. She is a fashion designer, and she also sells sarongs, ice blocks, soft drinks, and sachet water. She makes lovely Nigerian and western designs for her customers. She has been in this business for a long time. Kate is 42 years old, she is married with a child, and her husband is a transporter. She hopes to have more children in the future. She is requesting a loan amount of NGN 150,000 to purchase more sarongs and drinks to sell. She says thank you to all Kiva lenders.
Trust Development Group, Mukono : Uganda
$375 of $2,325 raised.
Started raising funds on Mar 12, 2010
Bwete Vincent (pictured inset top left as well as in the group photo) is the leader of his lending group in Mukono, a group that meets in a church. He is 33 years old and married with four children, the eldest of whom is eight years old. He also takes care of four siblings.
Vincent is from Terere village. For the past six years, he has worked as a boda-boda (bicycle taxi) driver and a builder. His main business challenge is the scarcity of clients for both businesses, but despite this, he is able to make 70,000 UGX profits every week. He works very hard to ensure that he earns enough to pay school fees for his children so that they can have a better future. Vincent is requesting a loan to buy more equipment for his building business so that he can provide better services. He hopes to buy, among other things, a wheelbarrow and a ladder.
$3,500 of $4,400 raised.
Started raising funds on Mar 12, 2010
Jeanne Lukoo is president of the Tujikaze credit loan group (she’s the one raising her right hand on the picture), which has been a client of the Hekima IMF through 13 loan cycles. She is 38 years old, mother of one child attending school, and is married to a teacher.
She started her small business selling cement with her own funds, supplemented by the loan from Hekima IMF. For $30/month, she rents a small warehouse on the Terminus Katingo Boulevard, where she sells cement and lime. She also sells soft drinks from her home to increase her income. Jeanne Lukoo would like to have a larger credit loan so that she can expand her business and build a house made of durable materials for her family.
The Tujikaze group has 20 members. It should be noted that the picture does not show the face of group member Maria Bahati.
Translated from French by René McConnell, Kiva Volunteer
$1,200 of $1,750 raised.
Started raising funds on Mar 12, 2010
Myagmar is 48 years old and lives with her husband in Ulaanbaatar, the capital city of Mongolia. She and her husband live together in a ger, the Mongolian nomadic tent. They have two children who live near their home. Myagmar's daughter and son help a lot with their parent's business. Generally, they have a great family atmosphere.
Myagmar operates a dairy trading business from a rental counter at a local trading center called Saruul. She sells eggs, ham and dumplings. Myagmar moved to Ulaanbaatar from the countryside in 2003 and has been running her dairy business since 2008.
Recently, Myagmar has started operating a grocery store and has been working hard to accumulate enough money to buy a retail space of her own. She is a very hardworking person who has great communication skills.
Myagmbar is focused on the future and says, “My dream is to purchase an apartment for my family.” She is requesting a 2,500,000 tugrug loan to purchase a variety of food products for her grocery store business.
$350 of $400 raised.
Started raising funds on Mar 13, 2010
Christine is a 48-year-old widowed lady and the mother of two children who are all grown-up and working.
Christine operates a general kiosk selling foodstuffs which is her primary business. She also sells clothes as a secondary business and from both businesses she gets a total profit of Ksh 5,000 per month. Her clients are mainly the residents of the Zimmerman area.
Christine was introduced to KADET by her friend and this is her sixth loan with KADET. She has never borrowed elsewhere before. She has applied for a loan which she will use in the following manner: Ksh 20,000 to purchase new clothes for resale, Ksh 10,000 to restock the kiosk, and Ksh 7,000 to buy food products. She plans to top up the rest of the money from her own savings.
Christine plans to continue expanding her business with the extra income she will earn from this loan.
$325 of $1,075 raised.
Started raising funds on Mar 13, 2010
Tania is 36 years old and lives in her own home with her husband Luis (age 44) and their two dependent children.
Two years ago, she bought a small “combi” (a van that holds 12 people) for her husband so that he could have work providing local transportation to passengers. While Tania manages the repair expenses, her husband works during peak hours when demand is at its highest. She likes this business because it generates good revenues and her husband is able to work in peace. They have already secured a second van that they will rent out in order to move forward in their work and help them increase their efforts. Later on, they hope to purchase a third van so that they can continue working and build up a small fleet of transport vehicles.
This is her fourteenth loan with MFP. Tania is extremely grateful to everyone who made it possible for her to access this loan so that she could continue working. She plans to invest the money she requested in the maintenance of her two vans. These repairs are needed so that she can offer better service.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
$625 of $1,400 raised.
Started raising funds on Mar 12, 2010
Tetyana is married with two grown daughters and lives in Ivano-Frankivsk, Western Ukraine. She is a small entrepreneur who sells women’s lingerie and swimsuits in the central mall called “Prikarpattya”. Her vending location is famous for its nice selection of merchandise and affordable prices. Tetyana is an experienced entrepreneur, having been in this trade for 14 years. Currently, her monthly income amounts to 8,000 UAH.
Tetyana is requesting a loan of 11,000 UAH to purchase assorted women’s lingerie in order to boost sales. She used to work at a factory but she was downsized and had to look for another source of income to support her family, which is how she ended up as a market vendor. Today, her business is the main source of income for the family. Tetyana is hoping to make enough savings to buy an apartment some day for her elder daughter.
Motema Plus Group : The Democratic Republic of the Congo
$4,100 of $4,800 raised.
Started raising funds on Mar 11, 2010
Adeline Mata is the manager of the group “Motema Plus,” which is made up of 25 members firmly united to receive loans from the MFI (micro-finance institution) and Kiva partner HOPE RDC in order to develop their businesses.
Adeline’s main business is selling second-hand clothes and eggs in her area. She has been a micro-entrepreneur since 1997. She likes her business and she is working hard to achieve her goal of one day opening a general store. She is a loyal client of HOPE RDC who has already received six different loans and has repaid them properly.
She intends to use the next loan to buy used clothes and some cartons of eggs to resell with the aim of increasing her profits. Each week, her business brings in a profit of $70.
Adeline is 37 years old and single. She has good relationships with her customers.
$450 of $925 raised.
Started raising funds on Mar 10, 2010
Evaline is an ambitious single lady who has been selling video tapes and DVDs in Machakos, Kenya. She also provides typesetting and photocopy services. She has one employee to assist her in the business. She hopes to grow her business and buy a plot where she can put up her business in the future. She has requested a loan of Kes 70,000 from Faulu Kenya to buy blank video tapes, CDs, cartridges and printing paper. She dreams of becoming the main supplier of stationery in Machakos and offering the best quality services. She hopes to create employment for more people.
Perpetuo Socorro Group : Paraguay
$525 of $3,725 raised.
Started raising funds on Mar 13, 2010
In the city of Carapeguá, in the Compañía Cerrito, 8 km from the office of Carapeguá, some low-income women found out about the Comité de Mujeres Emprendedoras progam. They decided to get together to find out more about the program.
These women are very active and hardworking and most of them make handicrafts, a common actrivity among the people of that area. They are looking for a little support in order to increase their families' income and improve their quality of life through credit. They need this credit program to invest in their respective jobs and thus be able to have sustainable growth that will make them grow as a group and individually.
Like Viviana Ojeda, who embroiders fabric and makes woven clothes, all by hand. Her work is very, very delicate and much admired by the customers who acquire and happily pay for her handicrafts.
Translated from Spanish by Ellen Donohue, Kiva Volunteer
$200 of $300 raised.
Started raising funds on Mar 11, 2010
Ana, who is 34 years old, is a very simple and happy woman who lives in a rented house with her 4 minor children who are still in school. What she wants most is to succeed in life.
Every morning, very early, she starts selling vegetables and alfalfa. Her post is located in the city wholesale market. She is a very charismatic and persuasive sales person, and that's why she has many customers who always buy most of these products from her.
What she likes most about her work is conversing with her fellow sales people, which makes her work days more pleasant. She has been in this business for 7 years and she considers the most difficult part having to remain all day in her sales post awaiting customers. In time, she wants to expand her post to be able to sell more vegetables and alfalfa.
This is Ana's 3rd loan with MFP and she is certain that the credit will help greatly in developing her business. As a member of her communal bank, she is very committed to the development of her companions. The 800 New Sols she is soliciting will be used to buy more alfalfa in order to increase her sales.
Translated from Spanish by Harold Sims, Kiva Volunteer
Habib Rahman Rajab Aley : Afghanistan
$675 of $1,075 raised.
Started raising funds on Mar 12, 2010
Habib Rahman is the son of Rajab Aley. He lives in district 7 of Kabul, Afghanistan. He is married with 3 children, one son and two daughters. They are attending school. He has a general store where he sells different kinds of things, and with the income, he supports all his family members. Through the loan that he receives he would like to expand his business and buy some more materials for his shop to attract more customers. He hopes to be a very successful person in the future.
Somos Impacto 2006 Group : Peru
$825 of $3,775 raised.
Started raising funds on Mar 12, 2010
“Somos Impacto: 2006” (We Impact – 2006) is a Communal Bank that consists of eleven enthusiastic and enterprising members who have an affinity for converting their informal activities into small businesses. They have been working with EDAPROSPO – Prosperidad for four years.
Margarita has taken over the office of President. She is 51 years old, in a common law marriage, and has five children (ages 14, 17, 21, 23, and 25). For the past three years, she has been knitting macramé handbags. She started this business as a result of a high school course in handicrafts that she took several years ago in which she learned how to knit. She also started making things by hand because her sewing machine broke down. Margarita is happy to be working with one of her daughters and always learns about creating new models of handbags. Through the efforts of her daily work, she is able to help her husband since his earnings do not cover everything. Margarita’s greatest wish is to have a vending post at the market where she can sell her handbags. This recent loan will be used to buy materials for knitting.
All of the members are grateful for the support that has been provided and they commit to submitting their payments according to the established timelines.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
$75 of $1,875 raised.
Started raising funds on Mar 11, 2010
Mrs. Soen Phy is the village bank president for a 13-member group loan offered by Kiva partner, AMK. The group members are located in Chey Chumneah village in Kandal province and will use their loans to purchase equipment, supplies and other items for different purposes.
Mrs. Soen Phy and her husband, Kol Phon, are farmers who rent a 1.5-hectare field for farming. They now face a problem because they do not have enough money to support their farm. Therefore, Mrs. Soen Phy has decided to ask for a loan to buy fertilizer and pesticide to support her crops. The couple has four children – two are seamstresses in a garment factory, one is a farmer, while the other is a student and helps in the family's farming business.
Join Hands Group : Sierra Leone
$225 of $350 raised.
Started raising funds on Mar 11, 2010
Pictured here are members of the “Join Hands” group from the small town of Waterloo, near Freetown, Sierra Leone’s capital city. Kadiatu Dumbuya, pictured in the middle, is the leader of this group of entrepreneurs. The 49-year-old sells cigarettes, sweets, lollipops, cheese, milk, sugar, butter, etc. She has been a businesswoman since childhood days. She is seeking from Kiva lenders a loan of SLL 400,000 in order to buy the above-mentioned items wholesale to add to her current ones.
Kadiatu Dumbuya was born in one of the several villages that make up the Sanda community, near Makeni, northern Sierra Leone. She now lives in Waterloo, where 'Shine on Sierra Leone' has partnered with SMT to start a branch, together with her husband and four children. Her husband is a businessman and her children are attending school – one in secondary school, two in primary school, and the other is not of school-going age.
$75 of $150 raised.
Started raising funds on Mar 13, 2010
Lenie Caroro is from the village of Magsaysay, Baliangao, Misamis Occidental. She is 46 years old, married, and has four school-aged children. To make a living, Lenie owns and operates a service-based business. The main source of income for the business comes from providing manicure and pedicure services in the local community. Lenie has been engaged in her business for over ten years and earns approximately 6,000 PHP per month from these activities.
In 2009, Lenie joined Kiva partner, GDMPC, to gain access to financial services to help improve her living situation and ability to engage in business activities. She has successfully repaid a previous loan of 2,000 PHP from GDMPC. This loan was used to purchase materials needed to provide her services. Lenie is requesting a new loan of 6,000 PHP, which will be used to purchase equipment to improve the business. This loan will be her second from GDMPC. She plans to use the additional revenue generated from the business to save as a reserve for future emergencies.
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.
$1,675 of $1,975 raised.
Started raising funds on Mar 4, 2010
Davit Petrosyan is 58 years-old and is married with three children: two sons and a daughter. Davit’s family lives in Kapan city.
Davit has his own business: he has auto repair shop on his own shop floor and his elder son helps him in this business. Davit needs a 750,000 AMD loan to repair his workshop and to buy new tools for his business.
Part of his future profits Davit will use to pay for his daughter’s education.
Ntungamo Tukore Group B, Kihihi : Uganda
$675 of $1,925 raised.
Started raising funds on Mar 11, 2010
Karuhize Alice is shown at the top left and also in the group photo of her lending group in Kihihi. She is 52 years old and married with eight children. She also takes care of an orphan. Some of them are at the University, while others are in secondary and primary schools.
Alice has a grocery store where she sells mostly fruit and vegetables and, although she is faced with price fluctuations and poor seasons, she is in a better position to take care of her family. She ensures that she has attractive produce on display and this has helped her increase her profitability. She ensures that her family is happy and together.
Alice will need a loan to be able to increase her stock for business expansion.
$400 of $425 raised.
Started raising funds on Mar 12, 2010
Marie Nicole Diagne is 44 years old and lives in the region of Diourbel, Senegal. She is married and is the mother of six children.
Madame Diagne has been a member of the "Banc Villageois" NGASCOP for thirteen years and has never had problems in paying back her loans. She runs a small shop where she sells mainly vegetables but also a variety of other products.
This loan will be used to buy new vegetables which Madame Diagne will resell in her shop. The revenues generated by this activity allow her to improve the living conditions of her family.
$125 of $2,400 raised.
Started raising funds on Mar 13, 2010
The “Panamericana” focal center is growing; it receives new associations weekly such as the “Gaviotas” (Seagulls) communal bank.
This association is made up of 9 members: 8 women and one man. The member in the photo is the husband of one of the members, as she calls him, her “sweetie.” Mr. Freddy Limachi had to step out because his son was restless.
The businesses they are involved in are: weaving “aguayos” (multicolored woven items that are 120 centimeters by 120 centimeters that women use to carry their children on their backs), macramé blankets, clothing sales, sweater making, skirt sales, clothes making, food preparation and painted fabric crafts.
Among all these occupations, the one corresponding to Lucia Aruquipa, 52, is the sale of skirts and blankets. She supports three minor children; two other daughters are married and don’t depend on her any longer.
She states that many years ago she sold cell phones but, because she didn’t know much about the devices, she was swindled out of much money and needed to start over again from square one in a new business.
The sale of skirts and blankets is something she knows very well and she is able to unfold in it easily. Lucia knows where to buy fabric to make skirts and blankets and, if she needs help, one of her daughters steps in. She is asking for 2000 bolivianos.
She states that what she likes best about Pro Mujer meetings is sharing with her fellow members, to chat, to laugh; she also likes the savings she can make with each payment because she knows that she will gradually amass fall-back capital.
Translated from Spanish by Michael Bujazan, Kiva Volunteer
$775 of $1,200 raised.
Started raising funds on Mar 4, 2010
Fayrouz is a 49-year-old married woman and mother of 3 unemployed children. She and her husband are the only providers for the family. She has been working as a hair stylist for the past 22 years in her town and has become well known in the whole region. Due to her lengthy experience in this occupation, she has a large number of customers.
Today, Fayrouz is requesting a loan of $1,200 to buy hair accessories and beauty products to satisfy the needs of the market and meet her customers’ demands.
$25 of $900 raised.
Started raising funds on Mar 13, 2010
Felicia is 41 years old and lives in her own home with her 14 year old son. For the past eight years, she has been dedicated to the meticulous task of manufacturing earrings, necklaces, and bracelets out of precious stones of different colors. She enjoys her work because she already has regular customers (stores) that buy all of her products. Felicia is able to generate good earnings because she buys her materials in bulk. In addition, she says this work is very peaceful and allows her to stay at home so that she can look after her son. As a result of her earnings, she has been able to make it on her own. Being an enterprising woman, Felicia has plans in the future to open a small bazaar in her home where she can peacefully sell all types of merchandise in bulk or by the unit.
This is her sixth loan with MFP. Felicia is very grateful to everyone who made it possible for her to receive this loan so that she can continue working. She plans to use the money she requested to buy materials in bulk so that she can continue producing these beautiful jeweled accessories.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
Emprendedoras 3 Group : Dominican Republic
$650 of $700 raised.
Started raising funds on Mar 12, 2010
Ana, 27, is a borrower who lives in El Seybo, Dominican Republic. She is the coordinator for her group, Emprendedoras (Entrepreneurs), and her story is representative of those in her group and other Dominican and Haitian borrowers at Esperanza International.
Ana lives with her husband and three children in a simple home in El Seybo, in the heart of the agricultural east of the Dominican Republic. Life in rural areas of the Dominican Republic can be rough, with no potable running water, frequent power outages (if one has power to begin with), and inadequate access to healthcare, among other dangers. Despite these difficulties, Ana runs a successful business running a small fried food stand in her community. With this loan, she will be purchasing a new stove and a gas tank for her food stand.
This is Ana’s third loan with Esperanza International. With continued profits, Ana hopes to continue the growth of her business. Her business has given her the ability to “supply her children with a healthy lifestyle, keeping them educated and well-fed”. Ana is very grateful for her loans, and hopes that with continued profits she will be able to purchase a refrigerator for her home. Ana’s long-term goal is to one day have her own home, and with a successful business she is well on her way.
Esperanza International seeks to free children and their families through initiatives that generate income, education and health, restoring self-worth and dignity to those who have lost hope. We have over 8,500 active associates in eleven offices in the Dominican Republic and Haiti. Thank you for lending to Ana and the Emprendedoras group!
$150 of $250 raised.
Started raising funds on Mar 9, 2010
Mr. Chea Bunly has been working in the Ministry of the Interior since he was single. Besides this work, he also helps his wife sell a few groceries from home. From this, the family is able to make over $5 per day to solve the family’s financial crisis. This couple was married many years ago, but they don’t have a child.
Chea Bunly need a loan to repair and decorate his house that frequently has problems.
$25 of $200 raised.
Started raising funds on Mar 13, 2010
Maricela is 35 years old and lives with her 2 daughters in her own house. For the past year, she has worked selling beer, with the help of her former partner, who provides supplies of this beverage so she can continue with her business. She sells her product at various social events celebrated in the area where she lives, and also during weekends, since she says that at these times she obtains greater profits, allowing her to provide a good quality of life for her family. Parallel to this business, she also sometimes works washing cars, which also generates additional money for her. Her desire for the future is to become a large wholesale beer distributor. This is the second time that she has had a loan with MFP, and she is very grateful to all of the people who make this loan possible, which will permit her to continue working. Maricela plans to invest the funds she is requesting in buying beer, since she already has the cases; she only needs the bottles in order to work with her own capital to sell beer on a wholesale basis.
Translated from Spanish by Patricia Linderman, Kiva Volunteer
Ubaydullo Nodirov : Tajikistan
$350 of $575 raised.
Started raising funds on Mar 1, 2010
Ubaydullo Nodirov lives in the Yavan district. He is 34 years old, married and has 3 children. Ubaydullo has a secondary education. He has been involved in animal husbandry for over 14 years. He breeds cattle to resell it for meat. This business is the secondary source of income. Ubaydullo is simultaneously involved in agriculture. He owns a plot of land, where he grows vegetables. The goal of this loan is a purchase of cattle.
Translated from Russian by Anna Sorokina-Hailey, Kiva Volunteer
$275 of $950 raised.
Started raising funds on Mar 12, 2010
Luis Antonio Páez is married and lives in the San Antonio neighborhood of the city of Caacupe.
Luis is very hard-working and has been working in leather craftsmanship for 10 years. It is a job he inherited from his father, and thanks to his good work, he receives many orders.
He is asking for this loan in order to buy leather and accessories for making his products, so he can satisfy market demand and increase his family's income.
He is grateful to Fundación Paraguaya for supporting his work, and with this support his business is growing and he is offering good-quality products.
Translated from Spanish by Danielle Maxson, Kiva Volunteer
$50 of $250 raised.
Started raising funds on Mar 13, 2010
Eseza Nalubega is a 39 year old married woman with three children between 4 and 17 years of age. All her children go to school. Eseza rents a two room house where she is staying with eight people. There is electricity but no piped water at home. Eseza takes care of additional family members. The family gets two meals a day. Eseza sells cosmetics in Bwaise. She resides and works in semi urban area on the outskirts of Kampala and works seven days a week. She receives 20 customers a day. She incurs extra transport costs to and from shopping. The major challenges she faces in her business are monthly rent, medication costs, feeding the family and increasing prices of cosmetics. Eseza has been in this business for eight years and with MCDT for eight years now servicing her eleventh loan working with the same group mates. She wants to use this loan to buy more cosmetics and a hair dryer. Eseza is hopeful of seeing her business grow bigger and owning a permanent business structure and her own home.
Jorge Ruben Jurado Sardina : Bolivia
$875 of $1,000 raised.
Started raising funds on Feb 25, 2010
Senor Jorge Ruben Jurado Sardina and his wife, Senora Marina Janeth Altamirano Sandoval are humble people that for more than 25 years have worked in agriculture and raising cattle in the community of Santa Ana la Nueva. Through this activity they support their two children of ages 18 and 12.
Now they are seeking a loan to buy a vehicle that will help them transport the family and lessen family expenses and the long distances that they have to travel to get from one place to another.
Translated from Spanish by Kelly McKinnon, Kiva Volunteer
$2,075 of $2,750 raised.
Started raising funds on Mar 12, 2010
Shurentsetseg is 39 years old and lives with her husband and their two sons in Arhangai province, Mongolia. She and her family live together in a 'ger', the Mongolian nomadic tent. They have been living in their current home for 15 years. Her husband operates a transportation business. Shurentsetseg has been operating a meat retailing business since 1999.
Shurentsetseg's business is well-known in their home province. When the business first started, its working capital was 200,000 tugrugs (~ 140 USD). However, after 11 years of hard work, Shurentsetseg's working capital has grown to 2,800,000 tugrugs (~ 1,970 USD). Since she started the business, her family's quality of life has improved, and she has purchased a car for her family with the business profit.
Shurentsetseg has been planning to expand her business in the future. She is a very hard-working person and has great communication skills. She says, “I would like to provide a good education for my children.” Shurentsetseg is requesting a 4,000,000 tugrug (~ 2814 USD) loan to purchase large amounts of meat at wholesale prices for her business.
$1,025 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
$250 of $725 raised.
Started raising funds on Mar 12, 2010
Eusebio is thirty-two years old and lives with his wife and sons in the old Chochope area of the Motupe district, in the province of Lambayeque, located one and one-half hours from the city of Chiclayo.
He has worked in agriculture since he was very young. He began as an agricultural laborer at various farms in the area and later was able to acquire with much effort a two hectares plot. He sows various crops on this plot, which can generate additional income and pay household expenses.
He has currently sowed corn in his plot. He works hard every day to increase his yield; thus he requests for the first time a loan of $725 from Edpyme Alternativa, with which he will buy fertilizers and pesticides for his crop.
Eusebio is a responsible father who is very devoted to his family and his work. His greatest desire is to see his boys become professionals and prosperous men.
Translated from Spanish by Jeff Schell, Kiva Volunteer
$300 of $1,975 raised.
Started raising funds on Mar 13, 2010
This communal bank is called JM Bari and it is made up of 13 members from the city of Linares. They work in arts and crafts businesses such as crafting of dolls made of wood, straw, and cloth, and also sales of vegetables, gold and silver jewelry, lingerie, books, and miscellaneous goods.
The interviewed member was Soledad, who is the president (in the photo, she is on the left in the 2nd row, wearing the purple sweatshirt). She sells natural perfumes, Indian-style clothing, candles, and handmade earrings. She will invest this loan in merchandise, such as colognes and perfumes.
Soledad says that after the earthquake catastrophe of February 27, her goals are to maintain her business and continue supporting her daughter. Her daughter is in the second year of university and is also a member of JM Bari. She makes jewelry of wood and horsehair. But Soledad says that most of all she wants to enjoy life with her loved ones.
Soledad also states that she is happy working with Fondo Esperanza because they value the dedication of their members. She also feels that the education courses in entrepreneurship they have given have motivated her greatly.
Linares is an important urban center in the Maule region in the center of Chile. This region produces much wine for export. In spite of the fact that the workforce has increased, the region continues to be, according to the last census, one of the poorest in the country. As a result of the earthquake, one of the group members lost a great part of her merchandise.
Translated from Spanish by jeffrey hersk, Kiva Volunteer
$700 of $1,075 raised.
Started raising funds on Mar 12, 2010
Deborah is 48 years old, married to Joel Mbuthia, and they have three children. She has run her tailoring shop in Njabini town for the last 20 years.
She is one of the longest serving clients of KADET, and this will be her third loan. She has paid the previous two loans very well and on time and she used the loan amounts to increase her business. She now wants to take her business to another level by building a classroom where she will start tutoring classes on tailoring. This is the reason for applying for a new loan. This will increase her income as she will be charging for those classes.
She plans to develop the school and have a minimum of 100 students every year. She also plans to get contracts from local schools to make school uniforms and sell the uniforms to them at a wholesale price. She plans to employ more people in her tailoring business, thus empowering them financially.
Los Solidarios De San Isidro Group : Peru
$925 of $2,375 raised.
Started raising funds on Mar 10, 2010
The Communal Bank “Los Solidarios de San Isidro” is currently in its third loan cycle and consists of eleven hardworking individuals who view each moment as an opportunity to get ahead. Through their daily efforts, they are able to provide a better future for their children. The members of the Communal Bank live in the Province and Department of Cusco. Cusco is a city known for its Historical Center, its landscapes, and its history for being one of the most enchanting cities in the southern part of the country.
Most of the members are farmers and ranchers who also engage in businesses or services such as carpentry, house construction, small animal sales, housekeeping services, sales of beer and “chicha”, and handicraft sales.
Ines is a member of the Communal Bank “Los Solidarios de San Isidro”. She is 47 years old and has one child. Ines says she is currently the caretaker of the community hall in her village and also lives there. She is a hardworking and enterprising woman who wants to venture into the business of buying and selling small animals. Ines currently has a several pigs and guinea pigs, but she wants to buy lambs. Therefore, she is requesting this loan.
The members are grateful for this opportunity and commit to making their payments on time.
Translated from Spanish by Ronan Reodica, Kiva Volunteer
$1,100 of $1,200 raised.
Started raising funds on Mar 9, 2010
Mrs. Tit Dara owns and operates a small store to sell café to her neighbors who live in the village. She is age 51, a married woman, and the good mother of six children. Tit Dara was married many years ago to Sokha, age 50, who is a motorcycle taxi driver. Two of her children are married and have already started new homes, and the remaining four are single. To help with the responsibilities of the family, two daughters work sewing clothes in a garment factory. She is a low-income citizen living in the best territory of Phnom Penh, the capital of Cambodia.
Tit Dara's café shop is too small and limits her clients. She would like to seek a loan on Kiva through HKL’s project. She will be using her loan to help upgrade to a larger shop. The rest of the loan will be used to buy accessories for her café enterprise.
$1,000 of $1,150 raised.
Started raising funds on Mar 11, 2010
Mr. Osvaldo Salvador Caballero is a new client with the foundation. He is married with five children, four of whom are working in Spain. They made this decision due to the situation at home when they left.
He works making and repairing chairs from iron pipe and cable. He started this business when his children left the country. At first, he went from house to house repairing chairs and later as the business grew clients asked him to make chairs and placed orders. He has been making his own chairs for one year and his five grandchildren work with him making and selling sets of chairs. Since Osvaldo did not have enough money to buy the machine that bent the iron pipes he built a homemade device that does the bending.
Today thanks to the Fundacion Paraguaya and the loan he received Osvalda has been able to purchase the machine to bend iron pipes. This makes it easier and faster to make the chairs that he sells.
Translated from Spanish by Patrick King, Kiva Volunteer
Sovann Phang's Group : Cambodia
$100 of $600 raised.
Started raising funds on Mar 12, 2010
These four people, who make up this group loan, live in Prek Pang village in Kandal province. They will each use the loan for a different purpose.
Mrs. Sovann Phang is the group leader who has been selected by all the members. She and her husband, Mr. Vuthy Eth, are farmers who own a small piece of land on which they grow vegetables to sell to support their family.
In the vegetable field, they have some problems because their field has infertile soil and it has a lot of insects. Thus, in order to improve their vegetable production, Mrs. Sovann Phang decided to ask for a loan to buy fertilizer and pesticide.
Mrs. Sovann Phang has five children, two of whom are seamstresses in a garment factory, and the others are attending the local public school.
$650 of $1,275 raised.
Started raising funds on Mar 12, 2010
The four women in the Badenya group are all married. They average 42 years of age, have an average of six children and all live in traditional families in the Fana Coura district of the town of Fana, in the prefecture of Dioila, the second administrative region of the Republic of Mali. These women met through relatives and essentially buy and sell food products such as condiments, fruit, vegetables and cereals.
Having correctly repaid the previous 12 loans, the women in the Badenya group are on their 13th group loan. They are planning to use this new loan to buy five tons of cereal (bean millet, corn, fonio, rice) several barrow loads of fruit and vegetables and a significant quantity of condiments.
They get their supplies primarily from local producers and wholesalers and sell in Bamako, Ségou and locally at the market in Fana, for cash on a retail basis, and on credit, to a customer base made up of women and men.
They envisage making an average monthly profit of 60,000FCFA which will be used to boost their business and to cover expenses relating to food, their children's schooling and health.
Translated from French by Alison Le Bras, Kiva Volunteer
Mrs. Thuok Uon Village Bank Group : Cambodia
$1,050 of $3,400 raised.
Started raising funds on Feb 25, 2010
Nineteen people who live in Mreah Prov village in Takeo province make up the village bank loan and they will use the loan for different purposes. Mrs. Thuok Uon is the village bank president. She was selected by the members. She is a farmer who owns a small piece of land to grow rice to support her family. Her husband, Mr. Heng Lorng, is a construction laborer. This family has a problem because their house is too old to live, but they do not have money to build. Thus, in order to improve their living conditions, Mrs. Thuok Uon decided to ask for a loan to buy timber to construct her house. She is the mother of five children. One child is employed in garment factory, three attend the local public school, and one is too small to work or study.
Celia Cruz Martinez Torrez : Nicaragua
$75 of $200 raised.
Started raising funds on Mar 12, 2010
This isn't Celia's, 36, first experience with financing; she has had previous loans that she has used for her business. She is a plastics retailer and has two young daughters under her care. Her husband helps her with the business and together have managed to get ahead in life. Thanks to the mutual help they give each other they are able to support their family.
Celia is asking for funding to buy an assortment of plastic bags in various sizes and colors to offer her customers.
She dreams that ther daughters will complete their studies and become upstanding citizens.
Translated from Spanish by Michael Bujazan, Kiva Volunteer
$150 of $275 raised.
Started raising funds on Mar 12, 2010
Grace is a 33-year-old ambitious married lady who has been running an electronic shop for ten years, assisted by one employee. Previously, she farmed and sold clothes. Grace feels great gratitude to Faulu Kenya for helping her save her money, and now she wants to take her first loan of Kes.20,000 to add a stock of spare parts for sale. She hopes to buy a car and a piece of land in the future.
$75 of $2,075 raised.
Started raising funds on Mar 13, 2010
The group "La Cumbre" is represented by Norma and composed of 10 members, nine women and one man. It is a united and dynamic group as is demonstrated by their president who is married and has two small children, one of school age and the other a one year old baby. Norma sells food from the doorway of her house where she attends to some boarders and the local people. The loan will be used to buy tables and sunshades so she can serve her clients on her patio and she would like a cabin to make her customers more comfortable when it rains. She wants to grow her business so that she can finish building her house and put a better roof over the heads of her children. Her husband works as a chauffeur and helps his wife and hopes to have his own car so that he can work and improve his family's quality of life. The other members of the group sell sodas, coffee, cosmetics, clothes, and sweaters, another serves customers in a beauty salon, and the one male in the group has his own locksmith business. There is plenty of competition in the markets within which they operate, but they rely on the speed with which they can change and supply their goods to be successful and get the income they need to support their families. The current loan will be used for operating capital and to buy supplies, raw materials, and goods to increase their sales and improve their families' quality of life. In speaking of their experiences, it can be said that the members used to work with other similar micro-loan institutions through the Foundation so they know how to administer the funds granted for the benefit of their businesses and for the improvement of the quality of life in their homes.
Translated from Spanish by Alison Hynd, Kiva Volunteer
$250 of $1,925 raised.
Started raising funds on Mar 13, 2010
Ganna (pictured in the blue jacket) is a small entrepreneur who sells sports goods and footwear in local markets in the Uzhgorod region. She owns three vending kiosks and has her own loyal clientele. Ganna has been in this business for five years and, currently, her net profit amounts to 5,000 UAH per month.
Ganna is seeking a loan of 15,000 UAH to open a new vending location. She has perfect credit history, having repaid all previous loans without any delinquencies. Ganna is very determined and hardworking. She invests much energy into her business venture and seeks to see it grow and flourish. We believe this financial assistance will benefit Ganna’s business and help it develop further.
Rodny Ariel Marin Fernandez : Nicaragua
$225 of $475 raised.
Started raising funds on Feb 24, 2010
Twenty-six-year-old Rodny Ariel works in the planning department of the Juigalpa City Hall. He is married to Mrs. Thelma Martinez, who looks after the family and the house. Rodny is requesting his first loan from AFODENIC with the aim of making rooms in his house because it is currently one big room. He would like to divide it into 2 rooms so that his family can be more comfortable. Furthermore, if money permits, he intends to purchase construction materials so that he can keep improving his house later on because he has always dreamed of having a beautiful home so that when his children come along, he can provide them with comfort.
Translated from Spanish by Elizabeth Casian, Kiva Volunteer
Alexander Mandamiento : Philippines
$175 of $350 raised.
Started raising funds on Mar 8, 2010
Alexander Mandamiento is from the village of San Luis, Gingoog City. He is 40 years old. Alexander is married and has 6 adult children. To make a living, Alexander owns & operates a specialized retail store buying and selling sand and gravel in the local community. Alexander has been engaged in his business for over 3 years and earns approximately 8000 PHP a month for these activities.
In 2009, Alexander joined HSPFI to gain access to financial services to help improve his living situation and to have the ability to engage in business activities. Alexander has successfully repaid a previous loan of 12000 PHP from HSPFI. This previous loan was used to purchase additional products to sell. Alexander is requesting a new loan of 15000 PHP, which will be used to invest in expanding the business. This loan will be the 4th loan taken out by Alexander from HSPFI. He plans to use the additional revenue generated from the business to improve and expand his business.
About HSPFI:
HSPFI is one of accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.
*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, we created this template for our field staff to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
$75 of $225 raised.
Started raising funds on Mar 10, 2010
Wilma Balacuit is from the village of Daan Lungsod, Gingoog City. She is 47 years old, married and has 1 infant. Wilma owns & operates a sari-sari (variety) shop where she sells food & daily-use products. Wilma has been engaged in her business for over 10 years and earns approximately 8,000 PHP a month.
In 2004, Wilma joined HSPFI to gain access to financial services to help improve her living situation and her ability to engage in business activities. Wilma has successfully repaid a previous loan of 8,000 PHP from HSPFI. This previous loan was used to to purchase additional products to sell. Wilma is requesting a new loan of 10,000 PHP which will be used to invest in expanding her business. This loan will be the 5th loan taken out by Wilma from HSPFI. She plans to use the additional revenue generated to improve and expand her business.
About HSPFI:
HSPFI is one of the accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.
*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, we created this template for our field staff to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.
$175 of $400 raised.
Started raising funds on Mar 11, 2010
Mrs. Sim Un (pictured here) and her husband, Mr. Phun Morm, have been married for over twenty years and have two daughters. All of them work in a garment factory. The family lives in a small village along National Road Number Five about twenty kilometers from Phnom Penh City.
Sim and her husband are fishermen. They catch fish from the Tonle Sap River and sell the fish in their village. Besides of fishing, Sim is a fishing nets repairer as well, she repairs fishing nets and gets the fees.
Sim used to ask for Kiva loan to level up her house foundation. By the way, the house where she lives breaks down in some part, it’s difficult for family members to live. That’s why she is requesting another loan in the amount of US$400 to repair her house.
Elvira Carmela Chiscul Mendoza : Peru
$25 of $575 raised.
Started raising funds on Mar 13, 2010
Elvira is 57 years old and lives in the home of her parents, from whom she receives support in terms of housing. She lives in the Reque district, located 15 minutes from the city of Chiclayo.
For more than a year she has sold food from the front of the house where she lives. In the mornings she offers ceviche (a typical dish of the country), along with chips, tamales and pancakes, while in the evenings she sells traditional Peruvian desserts (arroz con leche -rice custard, mazamorra - purple corn pudding) in the park that is a block from her house. This business enjoys a very good reception due to the flavorful food that she prepares.
This business is also a big help to her and her family economically, as her parents are of an advanced age and they depend on the income that she earns to survive. For this reason Elvira wants to expand her business with the purchase of more supplies that will allow her to prepare more food to offer her customers. To do this she is requesting from Edpyme Alternativa a loan of 1,600 Peruvian soles that she will use to achieve this goal.
Elvira is a responsible woman who, day by day, works hard to get ahead. Her main wish is to offer her parents a better quality of life. She has worked previously with our institution and has demonstrated punctuality and responsibility with her payments.
Translated from Spanish by Lisa Grobar, Kiva Volunteer
Kunduzkan Eratova's Group : Kyrgyzstan
$25 of $1,350 raised.
Started raising funds on Mar 13, 2010
Kunduzkan works as a teacher in a secondary school. She is 41 years old. Her husband is working in the Russian Federation at this time. She has four children and they all go to school. After work during her free time she looks after the cattle at home and her children help her. She has a milk cow from which she gets the milk and sells it in the town of Nookat. She will use the loan to buy one more milk cow.
Gulchehra is 44, she is married and is a mother of four children: two sons and daughters. Two sons are already working and by that support the family budget. She also works as a teacher in school as the other participant of this group. The loan will be used to buy three sheep for feeding and resale.
Zamira is 47 years old. She does animal husbandry. Her husband, Shakir Sabirov, works in Russia. Before she started animal husbandry business, she has been in the retail business for a long time. The loan will be used to buy a calf and send it to the pastures.
Maksuda is 48 years old, she is married. She has five children. Her oldest daughter is 22 years old and the youngest one is only two years old. She works as an assistant principle in school. She has started an animal husbandry business several years ago as an additional source of income. Right now she has four sheep. She also plans to buy a cow and send it to the pastures.
Translated from Russian by Elena Fedorchuk, Kiva Volunteer