Margaret

My newest Kiva loan - Margaret is 28 years old and married. She has two children, ages 4 years and 6 years. She describes herself as a confident individual.

She operates a grocery store where she sells fruits and vegetables. She has been involved in this business for four years. Her primary customers are small-scale. She describes her biggest business challenge to be the lack of a permanent place to do business.

She will use the KES 70,000 loan to add stocks of fruits and vegetables. Her business goal is to be successful within five years.

This is her second loan with SMEP DTM. She will use the anticipated profits to buy a piece of land.

Buying some chick, chick, chickens

okay so they aren't for me but still............

 

Joyce lives in the Litein area of Kenya.

She has 4 children and has been working with poultry for 5 years.

Her primary income sources are milk, eggs and tea.

Her biggest challenge is 'Insufficient funds.'

Animals on the farm have been given the names of 'Simba.'

Joyce was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Low interest.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'It has loans with low interest."

Her highest monthly expense is school fees. When asked how will this loan benefit her family,

Joyce replied, "More income to family."

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated.

Joyce owns the following: a cow and poultry' but does not own a pig, pump, bicycle, motorcycle, or automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household a mosquito net but does not have electricity,

solar power, running water, sewing machine, TV, or DVD.

 

Kiva - Newest Loan

Milenka is 20 years old. She works knitting wool sweaters and wraps from alpaca wool for women who wear traditional skirts. She has her workshop and residence in the Kalajahuira area. This loan is her first cycle in the institution. Milenka is going to use this loan to buy alpaca wool wholesale to knit her sweaters and wraps since she sells alot this time of year because it is very cold. She also delivers orders to different markets in the city of El Alto. Her reason for asking for this loan is to increase her working capital. Milenka faces challenges in her business such as stocking her merchandise and she is going to use the profits to keep buying her materials wholesale to knit her sweaters.                      

Kiva loan - Concilie

 

Concilie is a member of the Twizere II group. She lives in Gitega, Burundi. She is 38 years old and married to Leonard, a businessman. Together they have one thirteen year old child who attends school.

She has been in the business of selling beans and corn for four years.

She is on her second loan with Turame. With the KIVA loan, she will increase her capital and buy a large supply of beans and corn to sell in order to earn more.

The income she earns from her business will allow her to feed her family well.

Wilson

Wilson is 35 years old and has two children, ages ten and five. He works managing a flower nursery located in the Pedregal area. This loan is his first cycle within our institution. Wilson is going to use this loan to purchase construction materials to build a larger space which he will add on to his nursery. The reasons he is requesting this loan is so that he can make some needed repairs and because he needs working capital. Wilson faces challenges in his business, mainly being able to expand and grow a great variety of indoor decorative flowers. He will use his profits to expand his business. He wants to eventually purchase a larger lot so that he can have about three different nurseries and continue growing a large variety of flowers.

Ecra

Ecra is a resident of Changamwe, Kenya. She is a clothes dealer; a business she began 5 years ago. She is married and has three school-going children. Ecra was introduced to Milango by her friends; she joined in order to access funding for her business.

Ecra is glad about the progress that her business has made. The new clothes she purchased from her recent loan enabled her business to repay the loan quickly. She is grateful to the lenders for such great support and for the impact on her life and business.

Her clothing dealership has continued to progress well and she now intends to increase the stock. Ecra is applying for a loan of 128,650 Kenya shillings to purchase new clothing. She will use the extra income from this loan to educate her children.

And this is who are newest loan is going to.

Newest Kiva Loans

Amazing how fast the repayments can come in.

We are now able to start a new loan from the repayments

So here she is

Ayisha

 

Ayisha is married and has four children. All go to school except the youngest who is three months old. She usually sells shirts for men and skirts for ladies. She has spent six years in the business. With the loan, she wants to add more shirts and skirts to sell.

 

PK painted the cards for Papa's Christmas concert. With the money he was paid for doing the cards we were able to fund a new loan.

 

Abraham

 

Abraham is a carpenter in Mombasa. He has been in this business for the last nine years and he is doing great. He is requesting a second loan to purchase timber for making more furniture. He hopes to use the anticipated profit to repay his loan, after successfully repaying the first loan. He hopes to own a bigger workshop in the future.

 

 

 

Kiva

My feel good loans

 

 

Léa is part of the group Twizerimana and lives in Gitega. She is a widow of 50 years old with three children aged 11 to 17 years. She has been a merchant selling beans, bananas, and corn for the past three years. She is currently on her tenth loan with Turame. Léa plans to use this loan from Kiva to increase her capital. She will do this by purchasing a large quantity of rice, beans, and bananas and reselling them, thus earning more income.

 

Lorenzo is married with four children. Lorenzo is 37 years old and lives in Namnama, Titay, Zambonaga Sibugay. Lorenzo is a rubber broker to earn a living. He has been doing this for five years. He has requested a loan of 50,000 Philippines pesos to purchase rubber for his business.

Lorenzo is a new member of PMPC. In the future, Lorenzo hopes to expand his business.

 

Mor is a young, 28 year old shopkeeper who sells notions (sewing supplies). He is single and has no children. Mor has a shop in the market in his neighborhood. He has been running this shop for 5 years. This is his second loan, and he's asking for 250000F CFA to buy accessories. Mor is single, but takes care of his mother and brothers. He would like to grow his shop and diversify his business.

Nelly works raising animals, such as chickens and guinea pigs. She fattens them and later sells them in different markets. She also still has a minibus with which she provides [transportation] services to the public. Through these two businesses, she helps her son get ahead. Her dream is to grow her animal-raising business. Nelly is requesting this loan to purchase chickens and guinea pigs and also to buy feed for the animals. She is happy about the loan and committed to making her loan payments.

 

Mzia is 50 years old. She lives in a small village of Dmanisi District with her husband Tariel. Mzia and Tariel run an agricultural business. They have 2 milking cows and sell milk in nearby villages. Also, they have 6 sheep and sell lambs. In addition to livestock, they have bee-hives, with bee colonies which produce honey. They also own a plot of land, where they grow wheat, maize and haricot beans. Mzia and Tariel are especially busy with the plot during spring and summer seasons in order to ensure a good harvest in late summer, which they sell on the local open market. In addition to their agricultural activities Mzia works in the village school as a primary teacher. Total average monthly income of the family is 1000 Lari. Mzia requested credit for expansion of the dairy farm. She will purchase an additional milk cow, and will be able to produce dairy food, mainly cheese and curds. Mzia will sell additional produce on the local open market, where her products are quite popular among consumers. The income of the family will increase. With increased income they will be able to reinvest in the family agricultural business. Due to the above mentioned, living conditions of the family will improve.

Saidikhon has been growing and drying apricots since 2007. She is married and has three sons. Her children and husband help Saidikhon in her business. Every year she buys several hectares of apricot orchard and during the fruit season her and her family drive to the orchard and pick, de-pit and dry the apricots for Saidikhon to sell at the market. The family also receives monthly money transfers from their two other sons who left to Russia for work. Saidikhon's husband raises and fattens cattle for meat sales. Saidikhon would like to take out this loan to purchase an apricot orchard so that she can pick and process fruit from it for resale.

Ajibu is 38 years old and lives in the town of Soroti in the Mbale region of Uganda. She is married and has 4 children with 3 of them currently in school. For the past ten years, Ajibu has been working hard to manage her bar, which sells local beers for drinking. To help expand her business, Ajibu has requested a loan of 3,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy more items for making the local beers like Sorghum for resale, and will help Ajibu to generate greater profits and increase stock. Ajibu hopes that in the future she will be able to get more money from BRAC to improve more on her business.