The time has come for now to withdraw our wedding money from Kiva. 179 loans later, we’ve had a chance to make a substantial difference, and I look forward to starting to feed back into Kiva when we’ve had a chance to get our 4-member family finances flowing.
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Our Wedding Account – 111
My Personal Account – 16
My Community Account – 6
We’ve just finished making our 100th Kiva loan from the gifts we got for our wedding. It’s amazing to look over the batch of pictures of folks from around the world who have had things made a little better with essentially no effort from us.
We try to spread things out as far as regions go, with a slight preference for agriculture.
My Fiancée and I decided that rather than getting oodles of “stuff” for our wedding, we would ask people who wanted to give something to give a Kiva certificate.
It has been an amazing experience spending a bit of time each day choosing people around the world to help, and is certainly more practical than a fondue pot!
We’ve now far exceeded our 43 loans, and I look forward to continuing on. Next goal: at least 43 loans on my personal Kiva account, my community Kiva account, and my Wife and my Kiva account.
The community bank Heridas de Amores is in its second cycle. They are responsible people who have always made their payments on time. The bank’s members are mainly single mothers and that is why they called the group “Heridas de Amores” (Hurt by Love), since they all went through bad times emotionally. The women’s activities range from selling cosmetics and food, to selling flowers. They have the meetings at the president’s house, at Balbina’s, Mondays at 2:00 p.m. Balbina sells comforters and sheets and during the winter season she sells clothing on credit and collects weekly or bi-weekly. During the cold weather, she has a lot of orders. She is a very hardworking person and she always has a new product according to the season. She will use the money from the loan to purchase merchandise.
Luisa is new to the group. She sells flowers that she brings from the town of El Torno and delivers them to cemeteries in town. She has two older children, but she is raising two grandchildren because their parents work in the fields and she takes care of them every day. She will buy flowers in large quantities with the money from the loan since she has a lot of orders.
Fabiola is a founding member who sells food from her house. Every evening she sells the food that she prepares in her home, as well as sodas and tradition drinks that she makes. All of the members are good role models who help with the economies of their homes. All of them are planning on investing the loan in purchasing merchandise for their businesses. They are very grateful to Emprender and Kiva for the trust they have put in them with this loan.
Chance George is the leader of his lending group in Kyenjojo. He is 40 years old and married with five children aged 10, 8, 6, 4 and 2 years. He also takes care of more dependants. George has been a farmer in Enjeru Iraara for five years. Although his business is mostly affected by the fluctuating prices, he is able to make between 50,000/= and 100,000/= profits a week. He is grateful for the financial support from Pearl Microfinance because he is able to invest more into his business, hence more profits. He works so hard to ensure that he becomes famous in the market for the quality produce that he sells and for having a respectable family. He needs a loan to be able to buy more fertilizers for his farm.
Rita Yamoah is single and has two children. She graduated from the local junior high school, and makes a living selling fresh and canned tomatoes, ground pepper, palm and cooking oil and other items at Chapel Square near Elmina. She has been doing this since 2005, and uses her income to help pay school fees and utility bills. Rita has applied for a loan to buy more items to sell, and will use the additional income she earns to pay for her children’s education.
This is my first High Risk Loan: due in part to the methodology of the lenders, and in part to the major depletion of local fisheries and environmental shocks, this lender has a high delinquency rate.
Antonia is the coordinator of her group, Ayudanos Señor (Help us, God), and her story is representative of her group. and of Esperanza’s Haitian and Dominican clients, many of whom recently emigrated from Haiti to the Dominican Republic. Her group is based in areas surrounding La Romana, an area where the economy focuses on sugar cane, where running water is not potable, and electricity is unreliable at best. Here she makes her home with her three dependents and her husband.
Antonia is excited to have successfully repaid her first loan without incident, and Esperanza is excited to extend her another one and see her continue to expand her food business. While she focuses primarily on fried foods and empanadas, with this new loan, she plans to expand into ice cream and sweets. She sees a market for these items and believes the increased profits will help her pay to transport for her children to school and to continue to expand her business. She thanks you all for your support.
Anara is the group leader. She is 57 and divorced; her son and daughter are adults. They work and live separately from her. Usually women of her age are already retired and do not work, they depend on their children. However, Anara is not like that – all her life she depended only on herself and got used to it. Now, she earns her living by selling milk from her cows. Sometimes, her children come from the city to help her around the house. Six years ago, her relatives advised her to buy a cow. Now, keeping this cow lets her live an independent humble life. Now she courageously seeks a loan to help her two grandchildren pay for their college education. After having some experience with keeping cows, she seriously got interested in raising cattle. Her ultimate dream is to buy a big house outside the capital to be near her children, so that her grandchildren could visit her more often.
Anara’s partners in the group are Lyubov, Ainakan, Nazgul and Jiparkul. Lyubov is 51. She and her husband work at school. All their children live separately. Two sons are in Russia, while other two sons work as drivers, and their daughter works at school. Lyubov needs a loan to buy a new fridge.
Ainakan is divorced; she raised three children. She works as a tailor, receiving orders for manufactured or ready-made garments. She then distributes products to clothing stores. This was her friend’s suggestion. Now she feels ready to try cattle-raising and therefore needs a loan to buy a calf.
Nazgul is a mother of four children. She makes a living by selling hay and milk. What she earns is not sufficient, so she wants to obtain a loan to send her daughter to work in Russia, so that her daughter can help her mother financially.
Jipargul is 50. She is divorced and has one daughter. She makes a living by selling hay. Jipargul needs a loan to prepare her daughter’s dowry.
Maguette Diop has been a member in the Camberene zone for a long time and sells used clothing. She would like to add to her working capital so as to be able to develop her business better.