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Inlägg för Ruzanna (10e januari 2013)

Loan from Kiva has used correctly in his purpose. Ruzanna bought 3 calves and spent the rest of loan in order to buy fodder for the winter season. As she confessed this deal with Kiva and Nor Horizon helped her farming business to outstay to cruel weather conditions. Her incomes from farming are increased and she is very happy and sends her big big greetings to her Lenders.

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735383
Inlägg för Safia's Group (24e februari 2012)

Greetings from Pakistan!
Dear KIVA Lenders!
I am happy to update you on the current financial progress of Safia who received loan from KIVA partner Asasah for her husband's milk selling business.
By purchasing another buffalo, he is now able to get larger quantity of milk for selling and making more profits.
Safia is very pleased to see her husband making better income and also able to buy a business asset with the loan.
She is paying her installments regularly ontime and offers her kindest regards to Asasah and KIVA for their generous loan support.
On behalf of Asasah (microfinance institute in Pakistan and a partner of Kiva), thank you for your continued generosity! Your support is important to us and we are very grateful.


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664070
Inlägg för Jose Nehemias (11e februari 2012)

We wanted to let you know that Jose Nehemias has another loan posted on Kiva! Many borrowers take out successive microfinance loans, meaning that after they have repaid one loan, they take out another loan to continue to grow their business. Some borrowers also take out simultaneous add-on loans along with their primary loan, and these loans are typically smaller and serve a different purpose than their primary loan.

If you're interested in lending to Jose Nehemias again, you can see Jose Nehemias's new loan at http://www.kiva.org/?id=389231.

Because of the way Kiva's billing system works, Jose Nehemias may have fully repaid the previous loan to the Field Partner, but you may not have received the final repayments on that loan yet. If you have any questions about this, please email Kiva Customer Service at contactus@kiva.org.

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699453
Inlägg för Francis (9e oktober 2011)

We wanted to let you know that Francis has another loan posted on Kiva! Many borrowers take out successive microfinance loans, meaning that after they have repaid one loan, they take out another loan to continue to grow their business. Some borrowers also take out simultaneous add-on loans along with their primary loan, and these loans are typically smaller and serve a different purpose than their primary loan.nnIf you're interested in lending to Francis again, you can see Francis's new loan at http://www.kiva.org/lend/342562.nnBecause of the way Kiva's billing system works, Francis may have fully repaid the previous loan to the Field Partner, but you may not have received the final repayments on that loan yet. If you have any questions about this, please email Kiva Customer Service at contactus@kiva.org.

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660279
Inlägg för Jacqueline (7e oktober 2011)

rnrnThank you for supporting Jacqueline with your loan. Jacqueline has paid back the loan in full and would like to give you an update of her charcoal business. rnrnJacqueline says that the loan helped the business a lot. With the profits, Jacqueline was able to add other goods in her business and she was able to save in the future.rnrnJacqueline's hope for the success of her business has grown. In the future, she would like to become financially stable.rnrnJacqueline would like to thank the Kiva lenders. She says that her business has grown so much that why she will continue to request loans at Vision Finance Company.rn

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595660
Inlägg för Zubaida's Group (15e september 2011)

Mol Bulak Finance would like to provide you with an update on your group of borrowers. For your convenience, we have prepared an interview with the leader of the group, along with an English translation of their responses. If you have any questions or comments, please feel free to respond to this update. Your comments are welcomed and are regularly reviewed by our staff.rnrnTo learn more about Mol Bulak and view a Video presentation about the organization, please visit: http://www.kiva.org/about/aboutPartner?id=135. If you would like to support and learn more about Kyrgyzstan and micro-finance in Central Asia, please join our Lending Team - Supporters of Kyrgyzstan - at http://kiva.org/team/kyrgyzstan rnrnrnInterviewer: What exactly did you use the loan for? rnBorrower: With money received from the loan I purchased 100kg of seeds and 200kg of fertilizersrnrnInterviewer: Do you think that the loan helped you?rnBorrower: With the profits gained from selling the harvest i purchased a calf for 13500 somsrnrnInterviewer: What plans do you have for the future?rnBorrower: In the future I am planning to purchase a piece of land for cultivating agricultural productsrn

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473003
Inlägg för Salah (23e augusti 2011)

We currently followed up with Salah, a kiva borrower from Lebanon, He has owned a car repair shop and he is specialized in truck mechanic work since 1998, over the years, he has been able to have a growing number of customers. Today after his first kiva loan of $1,200 he was able to purchase new mechanic's tools and enlarge his business by taking on more projects. He was pleased with his decision of taking the loan and due to the increase of the demand he is planning to request more loans in order to improve more his shop.rnrnWith its interest-free loan from Kiva, Ameen has been able to offer lower interest rates to Kiva borrowers and to disburse the Kiva loan faster than any of its other micro loan products. Ameen has also been able to reach different market segments, such as lower-income borrowers, as a result of its direct-lending efforts (including Kiva). We hope that you will continue to support Kiva's Lebanon borrowers and invest in Ameen and its clients.rnrnrn rnrnrnAbout Ameen:rnrnrnAmeen was established in 1999 in Lebanon as a micro-credit program funded by USAID, under the patronage of CHF International. CHF is a non-profit organization working in more than 35 countries. Evolving successfully to a separate company, Ameen today is a Lebanese financial institution specialized in microfinance. Ameen's goal is to contribute to the economic and social development of the community.rnrnrnAmeen provides financial services to micro-entrepreneurs and low-income households to help them develop their businesses and improve their living standards. Ameen offers loans for small businesses, housing and consumer needs. Ameen's beneficiaries work in a variety of sectors and include activities such as handcraft, trade, services, small industries and agriculture to name a few.rnrnrnSince Ameen's inception, over 41,000 micro-entrepreneurs and low-income households have benefited from its services, with more than 115 million US dollars disbursed representing over 81,000 loans. Supported by a dedicated team of professionals, Ameen currently partners with four local banks in more than 67 branches with an outreach spreading all over Lebanon, from Beirut and its suburbs, to the Bekaa valley, the South, Mount Lebanon and the North.

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816424
Inlägg för Gohar (18e juli 2011)

Gohar is sending her sincere gratitude to Kiva lenders! rnShe has spent her Kiva loan for 25 sheep buying. She says her farming is going well and in the photo you can see how she is cultivating potatoes at her land. rnrn

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720880
Inlägg för Los Vecinos Del Valle Group (30e juni 2011)

Alicia forma parte del Banco comunal "Los vecinos del valle" perteneciente a la ciudad de Casablanca. Recibió su préstamo durante el mes de febrero del año 2011. Con el dinero compró ropa nueva para su negocio. Desde la fecha del préstamo su negocio ha funcionado positivamente. Sin embargo comenta que ha tenido algunos problemas familiares, pero no han interferido en su negocio. Ya que su negocio y cursos que imparte en decoupage (es un efecto de pintura decorativa sobre madera y vidrio) y mosaicos (composición geométrica, decorativa, hecha con piezas de cerámica). La motivan para seguir adelante y distraerse de sus preocupaciones. Además Alicia está participando de unos cursos para especializarse en la administración de su negocio y cocina internacional. rnActualmente cuenta con mucha clientela y esto le ha permitido un mayor funcionamiento en su negocio. Sin embargo le falta un vehículo para trasladar su mercadería a los sectores rurales, ya que hasta ahora realiza sus ventas en una bicicleta lo que es una labor muy esforzada. Sus sueños son tener un local establecido en una feria artesanal para vender sus productos de artesanía. rnFondo esperanza ha sido un poyo fundamental para su negocio, por el grupo, el crédito y las capacitaciones realizadas en las reuniones. Por lo que quiere seguir participando de los servicios brindados por Fondo esperanza.rnFondo Esperanza (FE) is currently the largest Chilean microfinance organization and is proudly Kiva's first microfinance partner in Chile! FE's mission is to provide solidarity micro-loans to economically vulnerable populations. Seeking to overcome poverty in Chile by incubating small businesses, FE provides a holistic range of microfinance services beyond the loans themselves, including entrepreneurial education and network promotion. rnTo lend to another entrepreneur from Fondo Esperanza, follow this link http://partners.kiva.org/team/fondo_esperanza. Thank you for supporting FErnrnrnrn

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785602
Inlägg för Cenia Haydee (3e juni 2011)

Cenia, considera que el credito le ha ayudado a superar tanto a nivel del negocio como en lo personal, ya que le dio seguridad para seguir produciendo, hasta el momento no ha tenido dificultades y se encuentra bien de salud, esta muy agradecida por esta oportunidad de crecimiento que se le brindo.

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596117
Inlägg för Jorge (20e maj 2011)

I'm a Pittsburgh native and a public health nut that recently quit her job working in a non profit in Boston, Massachusetts to serve as a Kiva Fellow. And I was fortunate to be placed with Microfinanzas Prisma (MFP) in Lima, Peru at a very exciting moment. This year marks Prisma's 25th anniversary. Founded in 1986, Prisma is celebrating 25 years of providing social and financial services to clients in Peru. MFP, the credit department of the non-profit Prisma, was formed in 1994 "to provide integrated financial and non-financial services to disadvantaged communities to strengthen their capacities and promote sustainable social and economic development." They target the most vulnerable populations living in rural and per-urban areas and close to 30% of MFP's clients are living below Peru's national poverty line. MFP works to help clients increase their income by providing comprehensive services, which include not only financial services, but also non-financial ones, mainly education and training activities.

You are receiving this update because you have loaned money to a client of Microfinanzas Prisma. Kiva works with field partners, or microfinance organizations, around the world. Once a partnership is established, this organization can then post client profiles to the Kiva.org site and then you can carefully read through and select which client you want to lend to. MFP has had a successful relationship with Kiva for almost 4 years, making it one of the longest running partnerships on Kiva.org. During this time MFP has uploaded $5,948,250 worth of loans to Kiva with a 1.41% delinquency rate and a 0% default rate.

Kiva Fellows are paired with microfinance organizations for three to four months to fulfill a variety of tasks, all of which help to promote transparency between the field partner, Kiva, and you, the lender. During my fellowship I worked to complete a borrower verification (BV) for MFP. A borrower verification is like a mini audit that happens twice to once a year depending on the length of the relationship with Kiva and the default/delinquency rates. Kiva selects a random sample of ten clients that represents an organization's portfolio and sends it to us fellows. We, in turn, visit each and every client on the list to verify that they are who they say they are, that they indeed received a loan for the amount posted on Kiva's website, and to talk to them about their business and loan use.

Unlike your traditional auditor, I have not been passing my days sitting in offices shuffling through paperwork. Instead, I have spent my three months been traveling deep into the Andes and the jungles of Peru to find the clients. I rode my first motorcycle to travel two and a half hours into the Andes, I took shared taxis that drove through rivers in the jungle and spent my days and nights traveling by bus between the headquarters in Lima and the branch offices that do the ground work of vetting and interviewing clients to appear on the website, take their photo, and write up their story.

I have met a number of amazing MFP clients during my time as a fellow, but I will never forget meeting MFP client, Rosa Vargas, in Lima my first week as a Kiva Fellow.

Rosa is 56 years old and preparing to open her own restaurant in her house in the next year. How many of you would embark on a new business in your 50's? I don't know that I would. But as Rosa explained, she had been washing clothes for neighbors. The job was physically demanding on her and not very profitable. And she believed she had great recipes to share with everyone, "recetas muy ricas" [very tasty recipes] as she described. So, she did what anyone wanting to start her own business would do. She asked around about where she could get some start up money. And she got connected with PRISMA.

I talked to Rosa in the kitchen of another building because her house was under construction. The walls were being painted and she hoped to put in tiling and tables and chairs for her customers to sit and enjoy their meal. She invited me back to her kitchen as we continued to talk. And I snapped a few shots and showed her the photos I took. She laughed and grabbed my arm as she covered her mouth with her hand. Her happiness was overwhelming for me.

I will never forget my meeting with Rosa. Part of what drew me to KIVA was the idea of female empowerment that Rosa embodies. That women, with the help of MFIs like PRISMA, can realize their dreams of owning their own business at any stage in their life and attain the financial independence to care for themselves and their children. After meeting Rosa this idea I had became a reality.

Thank you all for supporting the hardworking clients and staff of MFP. To get more involved join MFP's lending team "Friends of Microfinanzas Prisma" to receive more updates from the field.

Noreen Giga, KF14 Peru

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763742
Inlägg för Ouch (3e maj 2011)

Over the past 3 months, I have had been able to spend time in this warm and welcoming country, and met with a number of CREDIT entrepreneurs while performing a routine borrower verification, a Kiva requirement of its field partners.

What is a borrower verification, and why does Kiva require it?
A borrower verification is a process Kiva relies on to maintain strong partnerships with microfinance institutions like CREDIT. With a sample of ten randomly-selected clients, a Kiva Fellow or staff member will go to the field and visit each entrepreneur, making sure that all of their information matches what is on the borrower's page on Kiva.

Kiva requires a borrower verification from new partners, to ensure honesty and accuracy in their information, which benefits both the borrowers and lenders like you. This way, you can trust that the money you so generously lend goes to a real person with a real business. Longtime partners such as CREDIT go through several borrower verifications over the course of the partnership, mainly so that Kiva is able to get a sense of how effectively things are run in the field.

That sounds good, so what happened?
Some of the most dynamic, incredible borrowers that I've met in Cambodia were CREDIT clients! Some highlights:

Lun Sino, who took out a loan with her husband Sourn Chay to start a business selling mangoes and meatballs. Her business has done so well that she has passed the meatball business on to her daughter to run, and has started a new venture: selling mango jam! She had such a vibrant personality that Kiva and TakePart featured her on International Women's Day, so she's now a mini-celebrity!

I also met with Um Lart, a basket weaver from Takeo province. Pictured are the baskets she worked tirelessly to create, which are sturdy and popular among members of her village who rely on them to carry vegetables and fruit from their farms to the markets in the morning. Since she works alone, Um can create one basket per day. After she's done with her Kiva loan, she is looking forward to expanding her operations, hopefully taking on additional employees to create more baskets in less time.

Lastly, I met with Norn Phirom, an ethnic Vietnamese borrower living in Cambodia. Having started out as a housewife, Norn ventured out of her village to the busy markets of Phnom Penh to purchase snacks and other convenience goods to sell out of her home. In running this business, she's able to spend time with her baby, earn money to support her family, and also learn the importance of building relationships with her clients (she told me that she and some of her clients have become very good friends).

CREDIT's staff was extremely professional and some of the friendliest people I have ever met. CREDIT also cares immensely about its borrowers, which was one of the first things I noticed. Thanks for reading, and more importantly, thank you for your loan to a CREDIT borrower!

Cheers,
Stephanie Sibal, Kiva Fellow, KF14 Cambodia
CREDIT, a partner of World Relief


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629429
Inlägg för Bwenda Katukore Group, Ibanda (30e april 2011)

Ahimbisibwe Donesia is into agriculture whereby she sales matooke as her major source of income. She was able to buy more succers and she says that as her project gets modernised, she gets better quality yields hence more income and a better standard of living.

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629429
Inlägg för Bwenda Katukore Group, Ibanda (30e april 2011)

Ahimbisibwe Donesia is into agriculture whereby she sales matooke as her major source of income. She was able to buy more succers and she says that as her project gets modernised, she gets better quality yields hence more income and a better standard of living.

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663717
Inlägg för Merlyn Etucas (17e mars 2011)

is sending her thanks to all her KIVA lenders for helping make her loan possible, that was a great help to retain the business and improve it more. This time business is doing well and it really help in providing the needs of the family. We are looking forward to see more support from KIVA and HSPFI. Thanks Much.

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596721
Inlägg för Agripina (7e mars 2011)

compr� su toldo, con las que cubre su negocio en invierno de la lluvia y en verano del sol. Ahora trabaja m�s confiada y trabquila. En adelante desea ampliar su negocio con la venta de comidas.

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712980
Inlägg för Sopheap Korng (15e februari 2011)

Mrs. Sopheap Korng and her husband are farmers. In April 2010, she asked for a loan of $300 to build a restroom for her family. In the past, her family would relieve themselves in the nearby forest rice field. It was not clean, convenient or safe for her family. Sometimes, they would use their neighbor's bathroom at night.

Because of this loan, Sopheap's family has a restroom (in the photo) for their own use. The health of family members is better than before loan.

Sopheap had no problem with the principal and interest and she has already paid off the loan. She would like to thank MAXIMA and Kiva lenders for funding this loan.



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609929
Inlägg för Semilla Group (10e februari 2011)

Dear Lenders,

Thank you for supporting Kiva borrowers in Bolivia through ProMujer. It's been an amazing experience working as a Kiva Fellow at one of Bolivia's leading microfinance institutions throughout the course of the past three months. I wanted to take a minute to tell you about some of the great work I've witnessed here at ProMujer's regional office in El Alto.

While ProMujer now offers individual loans as well as group loans, they are, for the time being, only posting group loans to Kiva's website. The groups (Communal Banks) meet once a month in one of El Alto's 12 neighborhood centers, to pay their monthly payments and to participate in trainings and workshops. The workshops cover a number of topics, including business training and financial literacy, as well as health issues.

Meeting the needs of the community

The thing I've found most fascinating and unique about ProMujer is that, in addition to financial services, they also offer healthcare services to all of their clients. Their main motivation for doing this is their mission to provide Bolivia's poorest women with the means to build livelihoods for themselves and futures for their families. In their view, good health is one of the most important factors for success, and because ProMujer targets low-income women, their clients often do not have the money for traditional medical services.

In the regional office of El Alto, each of the twelve neighborhood centers has their own nurse, and there are five doctors that rotate between the centers. Women are offered check-ups, pap smears, and a number of other examinations. In addition to this, ProMujer, in collaboration with the Ministry of Health, is able to offered vaccines to all of the children of clients.

One of the greatest challenges the doctors and nurses currently face is reaching all of ProMujer's clients. Not all clients take advantage of the healthcare opportunities presented to them. The staff is working to address this problem in a variety of ways. One particularly interesting approach is a program called "Promoters of Well-Being". Through the program, one member of each Communal Bank (typically, the president) participates in a mandatory training in basic health and is subsequently responsible for the health of the other members of the bank. If, for example, a group member is suffering from a minor health complication, the Promoter of Well-Being can assist her; if she suffers from something more major, the promoter can advise her on where to seek help. The idea behind this participatory approach is that the individual women are more likely to come to one of their fellow bank members with their health concerns, and thus ProMujer is able to reach more of its clients.

Providing capital, healthcare, and access to networks

I recently had the pleasure of meeting with a Kiva borrower named Pacesa, who is part of the Communal Bank Kantuta. She and her group are on their thirteenth loan cycle with ProMujer. Up until two months ago, Pacesa worked selling things in a market quite far from her home. She has now opened a convenient store close to her home, where she sells a variety of items, including beer, soda, candy, eggs, and canned goods. With her most recent loan of 3,000 Bolivianos (about $425 USD), she was able to purchase the inventory to fully stock her store.

A social person who loves to laugh, Pacesa's favorite thing about running her store is having her friends come by throughout the course of the day. She also enjoys her work with the Communal Bank because she is good friends with the other women of the Kantuta group and enjoys seeing and catching up with them. She also appreciates the workshops and training sessions conducted by ProMujer's staff, finding them both relevant and helpful.

Perhaps most importantly, Pacesa has benefited greatly from ProMujer's previously mentioned healthcare services. Recently, she was diagnosed with cancer during a check-up with one of ProMujer's healthcare professionals. She had been to the hospital prior to this, but they had not detected it. The medical staff at ProMujer was able to help Pacesa and direct her where she needed to go for treatment.

Pacesa's dream for the future is that all of her three children are successful. She also hopes to be able to complete some renovations on her home in the near future.

Thank you so much for your support of Bolivian entrepreneurs like Pacesa!

To search for currently fundraising ProMujer loans on Kiva, click here.

No currently fundraising clients? Please check back soon! In the meantime, you can join ProMujer's Kiva Lending Team.

Best regards,

Julie Shea, KF13, Bolivia


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706453
Inlägg för Semilla Group (3e februari 2011)

Dear Lenders,
Thank you for supporting Kiva borrowers in Bolivia through ProMujer. It's been an amazing experience working as a Kiva Fellow at one of Bolivia's leading microfinance institutions throughout the course of the past three months. I wanted to take a minute to tell you about some of the great work I've witnessed here at ProMujer's regional office in El Alto.

While ProMujer now offers individual loans as well as group loans, they are, for the time being, only posting group loans to Kiva's website. The groups (Communal Banks) meet once a month in one of El Alto's 12 neighborhood centers, to pay their monthly payments and to participate in trainings and workshops. The workshops cover a number of topics, including business training and financial literacy, as well as health issues.

Meeting the needs of the community:
The thing I've found most fascinating and unique about ProMujer is that, in addition to financial services, they also offer healthcare services to all of their clients. Their main motivation for doing this is their mission to provide Bolivia's poorest women with the means to build livelihoods for themselves and futures for their families. In their view, good health is one of the most important factors for success, and because ProMujer targets low-income women, their clients often do not have the money for traditional medical services.

In the regional office of El Alto, each of the 12 neighborhood centers has their own nurse, and there are five doctors that rotate between the centers. Women are offered check-ups, pap smears, and a number of other examinations. In addition to this, ProMujer, in collaboration with the Ministry of Health, is able to offered vaccines to all of the children of clients.
One of the greatest challenges the doctors and nurses currently face is reaching all of ProMujer's clients. Not all clients take advantage of the healthcare opportunities presented to them. The staff is working to address this problem in a variety of ways. One particularly interesting approach is a program called "Promoters of Well-Being".

Through the program, one member of each Communal Bank (typically, the president) participates in a mandatory training in basic health and is subsequently responsible for the health of the other members of the bank. If, for example, a group member is suffering from a minor health complication, the Promoter of Well-Being can assist her; if she suffers from something more major, the promoter can advise her on where to seek help. The idea behind this participatory approach is that the individual women are more likely to come to one of their fellow bank members with their health concerns, and thus ProMujer is able to reach more of its clients.

Providing capital, healthcare, and access to networks:
I recently had the pleasure of meeting with a Kiva borrower named Pacesa, who is part of the Communal Bank Kantuta. She and her group are on their thirteenth loan cycle with ProMujer. Up until two months ago, Pacesa worked selling things in a market quite far from her home. She has now opened a convenience store close to her home where she sells a variety of items, including beer, soda, candy, eggs, and canned goods. With her most recent loan of 3,000 Bolivianos (about $425 USD), she was able to purchase the inventory to fully stock her store.

A social person who loves to laugh, Pacesa's favorite thing about running her store is having her friends come by throughout the course of the day. She also enjoys her work with the Communal Bank because she is good friends with the other women of the Kantuta group and enjoys seeing and catching up with them. She also appreciates the workshops and training sessions conducted by ProMujer's staff, finding them both relevant and helpful.

Perhaps most importantly, Pacesa has benefited greatly from ProMujer's previously mentioned healthcare services. Recently, she was diagnosed with cancer during a check-up with one of ProMujer's healthcare professionals. She had been to the hospital prior to this, but they had not detected it. The medical staff at ProMujer was able to help Pacesa and direct her where she needed to go for treatment.

Pacesa's dream for the future is that all three of her children are successful. She also hopes to be able to complete some renovations on her home in the near future.

Thank you so much for your support of Bolivian entrepreneurs like Pacesa!

To search for currently fundraising ProMujer loans on Kiva, click: http://www.kiva.org/lend?partner_id=59&status=fundRaising&sortBy=Most+Recent

No currently fundraising clients? Please check back soon! In the meantime, you can join http://www.kiva.org/team/friends_of_pro_mujer_bolivia

Best regards,
Julie Shea, KF13, Bolivia



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595987
Inlägg för Omungyenyi Tukwatanise Group, Ntungamo (28e januari 2011)

Mary Orikiriza says she purchased more seeds for planting. With more seeds, she was able to cultivate more and later harvest on a bigger scale. Some of the harvested crops were kept as reserves whilst some were sold. When she sold some of her harvests she got some dependable income to help her family keep its head above the water. The reserves are to help her in times when there is shortage on the market. Mary says because of her rejuvenated business fortunes she has been able to purchase a plot of land where she plans to construct a family house.


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522807
Inlägg för Sopheap Korng (24e januari 2011)

Dear Kiva Lenders,

I was recently a Kiva Fellow at MAXIMA for 13 weeks in Phnom Penh, Cambodia. During this time I had the chance to meet dozens of borrowers, hear their stories and learn more about how microfinance works on the ground and what sets MAXIMA apart from other MFIs. Since you've made a loan through MAXIMA in the past, I'd like to share with you some of what I learned about the organization during my time there.


Lending to women
In Cambodia women manage the money in every family. Even when men run the business, the women manage the finances. We joke that when payday comes men must give their paycheck to their wives with the envelope still sealed. We call this "thonikea bropon" or "wife bank." It's easy to make deposits but much more difficult to make withdrawals! This is because women are seen as more responsible with money in Cambodia.

MAXIMA make loans to both men and women but believe that loans to women can often benefit the family more. When a family's income is not sufficient to meet their needs, often their only option is to send the women of the family to the city to work in the garment factories. Many of these families are located in the provinces far from the city so they are often forced to travel long distances in unsafe conditions, or rent inadequate housing in Phnom Penh. The pay is very low, around $55-60 a month, which forces them to work overtime. Starting or expanding a small business can be a good alternative.

Another issue is that rural families often take their daughters out of school due to school and transport costs and in order to have them help with the family business or farming. Helping these families boost their incomes increases the chances that their daughters will be allowed to continue their schooling.

MAXIMA hopes to contribute to the social good by helping to encourage small businesses. When women can work at home or in their village rather than in the factories, they have more time to spend with their families, look after their health and take their children to school.

MAXIMA's Kiva Coordinator
MAXIMA lenders are probably already familiar with with our Kiva Coordinator, Sophal Ros. Sophal has been working at MAXIMA for almost two years and during that time has posted 1,334 loans and 1,359 journals (her journaling rate is one of the highest on Kiva).

Sophal is 25 and hails from an area of Kandal province where MAXIMA provides loans. She came to Phnom Penh in grade 12 to study. She was sponsored by an NGO, Association Française de Solidarité, that provides housing, food and school fees to poor students from the provinces who would not otherwise be able to continue their education.

Sophal has earned her Associate's degree in IT systems and network administration and is now in her final year of university to receive her Bachelor's degree in IT at Norton University. In addition to her 9-10 hour workdays at MAXIMA, she goes to school every weeknight and all day on Saturday.

One of Sophal's main duties at MAXIMA is to get written updates from the credit officers about clients and translate them into English for the wider Kiva audience. She says she has appreciated having so many Kiva Fellows to practice her English with. "I don't think my English is good but I can communicate with foreigners, and I can just talk to them. If it is wrong I ask them to correct my grammar or ask for help with vocabulary."

Sophal has read and enjoyed all of your responses to the journals she has written. Her message to Kiva lenders is "Thank you so much for supporting not only MAXIMA borrowers but all of the poor Cambodian borrowers on Kiva!"

All the best for 2011,

Lina Goldberg
MAXIMA Mikroheranhvatho Co. Ltd.
Phnom Penh, Cambodia

Make a loan to a MAXIMA borrower
Learn more about MAXIMA Mikroheranhvatho Co. Ltd.
Join the MAXIMA lending team

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435655
Inlägg för Mohamad (11e januari 2011)

We recently followed up with Mohammad, a Kiva borrower from Lebanon. Mohammad has many years of experience working with mobile phones. He opened his own store in 2007. With his Kiva loan of US $1000, Mohammad has been able to increase his merchandise selection and purchase prepaid telephone cards which he then sells. The majority of mobile phone users in Lebanon purchases these prepaid cards; it is less common to have an annual phone contract. Mohammad reports that both his income and business productivity have increased since taking the loan.
In the future, Mohammad is looking to further expand his business and increase his capital. He is pleased with his decision to take a loan from Kiva partner, Ameen.
With its interest-free loan from Kiva, Ameen has been able to offer lower interest rates to Kiva borrowers and to disburse the Kiva loan faster than any of its other micro loan products. Ameen has also been able to reach different market segments, such as lower-income borrowers, as a result of its direct-lending efforts (including Kiva). We hope that you will continue to support Kiva's Lebanon borrowers and invest in Ameen and its clients, like Mohammad.





About Ameen:


Ameen was established in 1999 in Lebanon as a micro-credit program funded by USAID, under the patronage of CHF International. CHF is a non-profit organization working in more than 35 countries. Evolving successfully to a separate company, Ameen today is a Lebanese financial institution specialized in microfinance. Ameen's goal is to contribute to the economic and social development of the community.


Ameen provides financial services to micro-entrepreneurs and low-income households to help them develop their businesses and improve their living standards. Ameen offers loans for small businesses, housing and consumer needs. Ameen's beneficiaries work in a variety of sectors and include activities such as handcraft, trade, services, small industries and agriculture to name a few.


Since Ameen's inception, over 41,000 micro-entrepreneurs and low-income households have benefited from its services, with more than 115 million US dollars disbursed representing over 81,000 loans. Supported by a dedicated team of professionals, Ameen currently partners with four local banks in more than 67 branches with an outreach spreading all over Lebanon, from Beirut and its suburbs, to the Bekaa valley, the South, Mount Lebanon and the North.



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507110
Inlägg för Atesh 1 Group (16e juni 2010)

Edres used his Kiva loan for completing requirements of his hotel. He is glad that such kinds of processes exist in poor country of Afghanistan for progress of entrepreneurs to expand their small businesses.
Now his business is going on well and he has no difficulty in repaying both principle and interest of the loan.
Finally, he is thankful to all Kiva lenders


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415232
Inlägg för Lantana (9e juni 2010)


On October 22nd, 2009, you helped fund a loan amount of $850 to Lantana. A Sinapi Aba Trust staff member recently caught up with her to ask her about her loan experience. Here is what Lantana had to say:

She is a food vendor and used the entire loan to procure bags of rice, vegetables, and other ingredients in bulk for her food production/sales business. Lantana says her business is somehow okay but not as she expects it. She hopes for better season.

Lantana supports her husband to provide for the family. She says she has no problem with her repayments and wants another loan to procure goods in bulk for supply.


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415232
Inlägg för Lantana (9e juni 2010)


On October 22nd, 2009, you helped fund a loan amount of $650 to Mariama. A Sinapi Aba Trust staff member recently caught up with Mariama to ask her about her loan experience. Here is what she had to say:

Mariama is a trader and used the entire loan to procure bags of cereals such as beans, maize, etc. in bulk for supply. She supplies to food vendors, retailers and says her business is improving.

Mariama invests the profits into her kids' education. She says she has no problem with her repayments and wants another loan to procure additional goods in bulk for supply.


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524921
Inlägg för Jessica (15e april 2010)

Con el préstamo obtenido Jessica pudo invertir en la compra de más productos de belleza.
Su stock de cosméticos ha aumentado, lo que anteriormente no podía hacer por la falta de presupuesto. Hoy tiene más clientes debido a la variedad y novedad de sus productos y esto le favorece para que aumenten sus ganancias, por lo que se siente muy satisfecha.

Jessica agradece a todas las personas que hicieron posible su préstamo, ya que desde entonces siente que su negocio se ha dinamizado.
En adelante, continuará trabajando de manera independiente, ya que su mayor anhelo es aumentar su capital y convertirse en ejecutivas de ventas de estas líneas de belleza.


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415232
Inlägg för Lantana (16e mars 2010)

Dear Kiva Lenders,


My name is Maia Pelleg and I'm a Kiva Fellow working with Sinapi Aba Trust (SAT) in Ghana. I completed my first placement as a Kiva Fellow in Kenya in January, 2010 and was thrilled to embark on an experience with Kiva and microfinance in the new context of West Africa. The initial goals of my posting in Ghana included implementing a repayment reporting system, facilitating a process that enables SAT to provide journal updates to lenders, and making necessary changes to increase efficiency.


I arrived in Kumasi and quickly ascertained that Ghana's reputation for tremendous hospitality stems from reality. The staff of SAT welcomed me warmly and graciously offered to acquaint me with various aspects of Ashanti society.


Unfortunately, as I discovered the kindness of SAT staff, I also found that SAT's existing Kiva system was extremely flawed and lacked proper management. A close look revealed that many loan amounts and terms published on the Kiva website were incorrect. Additionally, the presence of multiple duplicate loan postings was concerning.


Kiva took immediate action and paused SAT for fundraising on Kiva.org. We have evaluated many aspects of the SAT partnership, and I am confident that operational weaknesses can be corrected and adequate management information systems can be utilized.


I have spent the last few weeks designing a new decentralized Kiva system and have already begun implementing changes. Including loan officers from around the country in Kiva processes serves as an additional check as well as enables SAT to provide journal updates and scale in the future. Central to the new Kiva platform is an internal data system that will verify loan details and automate frequent and accurate repayment reports. Additionally, a senior regional manager will be stepping in as Kiva Coordinator at the end of this month.


I am working directly with SAT leadership and staff to execute identified changes. Just this week I trained two branches and several loan officers in how to collect borrower information and photographs for Kiva's site. I can attest to SAT's commitment to a strong Kiva partnership based on integrity and honesty. I am confident that we are able to bridge any gaps that existed in SAT's process of raising funds on Kiva.


This experience serves as a reminder of how seriously Kiva takes transparency and accountability. I hope you will share my ongoing confidence in SAT and more generally in microfinance. Sinapi Aba Trust makes a real difference in the lives of low-income entrepreneurs and I am excited to be a part of enabling them to continue their lending footprint.


Sincerely,
Maia Pelleg


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In English, please?

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