MAKE 100 KIVA LOANS

All my loans came in on time, so I was able to give my 25th Kiva loan.

It went to Indira Gissel from Managua, Nicaragua

Gissel is a 23 year old young woman who lives in the Reparto España of Managua. She is married and has a 4 year old son who is her highest priority: she wants to see to it that he never lacks for anything. Consequently she has begun selling cosmetics, clothing and shoes. Her husband works on his own as a lawyer, however it is often difficult for him to find cases that go into litigation and they have to rely solely on Gissel’s earnings.

The loan Gissel is requesting will be invested in her small business. She hopes to expand and to maintain a more sustainable means of income for her home in order to insure the proper growth of her son.

Good luck!

Two loans were repayed early and completely, so I was able to give three loans this month:

First loan to Yamileth Del Carmen from El Salvador

Yamilet is 29 years of age and has three sons. She earns a living making tortillas which she sells from the sidewalk on the main street of the city. Her post has been assigned by City Hall and she is permitted to sell her tortillas between 6:00am and 2:00pm. On weekends she runs a business selling pupusas from her home and she also has a mini store there. She is a determined woman with very good principles..
She is managing a loan with Fundación Campo which has been funded by KIVA. She has repaid this loan very punctually from the sale of tortillas and the other activities that she carries out..
Before becoming involved in this business she studied. She buys the ingredients needed to make tortillas and pupusas in a store that sells basic grains. This store is located roughly 4 blocks from where she sells tortillas. Another product that is very important to mention is the gas that she uses to cook her products. She purchases this from the gas distributors, and they take care of delivering it to her business..
The loan that she is requesting from Fundación Campo is to buy 8 quintals of corn and 10 cylinders of gas. All of the materials that she will buy will be used in the production of tortillas for a month. To make pupusas on weekends she will buy 4 pounds of pork rinds and 4 pounds of soft cheese. She will also use the new loan to pay the balance on her current loan..
Having purchased all of these ingredients she will be able to make tortillas for a whole month (even during corn shortages). When she buys these products she will increase her supplies and, therefore, the level of sales since the demand is quite high. She will be able to make a larger number of products to be sold..
She has plans to buy land in the future because she is currently renting a home. Depending on how the sale and profits from the tortillas go, she would later like to begin building a small house for herself and her children..

Second loan to Vigen from Armenia

Vigen has worked in one of the Armenian construction companies as a builder, but his salary was very low, and he couldn’t cover even his own costs. So, he decided to create his own business..
He built on his property a shop where he has run a fish-trading business up to now. This activity was profitable and soon he expanded the volume of his sales. Vigen has many clients in Ijevan city and receives much profit. Now Vigen is a successful young businessman..
Vigen is 25 years old and lives in Ijevan city with his parents and sister. His mother and sister don’t work. Vigen’s father helps him in his trading occupation. Vigen and his father transfer the fish from Ejmiadzin city with their own car and resell it in their fish shop. With income from the fish-trading business, Vigen supports his family’s needs; he has bought furniture and some electronics..
A Kiva loan will help Vigen to construct the second floor of his shop. He wants to expand his business more and hopes to receive more profit from his business..

Third loan to Olepa from Samoa

Olepa is a 39-year-old married woman with four children. She makes and sells coconut buns in her community to earn a living. She has two years of experience with this business. Olepa needs a loan to buy coconuts, vegetable oil, sacks of sugar, yeast, and flour. She plans to use her profits to extend her business in order to support her family and save more. Olepa has been a member of SPBD since 2012.

I hope all goes well!

All my loans came in very early for April, how exciting.

We choose a new country this month and loaned to Gabriel in Ecuador:

Gabriel is 26 years old and single. He has one child. He lives with his six-year-old son in Ventanas, in Los Ríos province.

Gabriel works in construction. He is a bricklayer. He is requesting a loan to purchase tools, such as a drill, a shovel, a spatula, and a small mixer.

His dream is to buy himself a car.

In his free time he enjoys watching television and playing sports.

As it’s his second loan, I’m sure he will make his dream of owning a car come true someday!

It’s the first time I can make a complete loan from the repayments without supplementing it!

For this month we choose Benedicta from the Msakuzi Group in Tansania.

Benedicta, who is in her late 40s, is single, with a boy who is an adult and who has completed his college studies.

For a period of three years now, she has been running a cross-border business, selling clothes to specific customers. She has no business premises and no specific working time. Whenever she buys her products, she delivers them straight to the customers’ premises, according to their orders.

This will be her 14th loan from Tujijenge Tanzania Ltd. She used the previous loans to buy a three-wheel motorcycle (Bajaji), increased her stocks of clothes, and started building her house. She has successfully paid back all of her loans.

She will use this loan to finish building her house. Her dream is to one day be able to open another business, so as to expand her portfolio.

Benedicta will share this loan with her loan group, “Msakuzi,” which totals 12 members. The members of the group will hold each other accountable for paying back the loan.

Good luck, Benedicta!

All my loans came in early again – one loan was payed back fully – and so I got to give another loan!

Loan 19 goes to Manuela Magdalena in Guatemala!

It’s her second loan:

Manuela Magdalena is 34 years old, married, and has completed six years of primary education. She has four children, two of whom are studying. Manuela sells women’s clothing, and she started her business with just a little capital. She has six years of experience so far, with the support of her husband who is a shipper.

Manuela is asking for a loan to purchase merchandise to sell like blouses, skirts, aprons, and traditional clothing, etc., so that she can have better opportunities to sell, and later on be able to have other sales outlets. In this way, she will be able to give her family a better life.

Good luck, Manuela!

I made my Christmas loans early!

No 17

We decided on Hanifa in Tajikistan:
Hanifa is a resident of the city of Dangara. She is 33 years old, married, and has five children. For the past ten years she has been involved in retail business and she owns a store in which she sells food products. As she would like to expand her assortment of goods, she is taking a loan to buy women’s, men’s and children’s clothing.

No 18

A water project in Paraguay:
The Chololó Sanitation Board was founded in 2008 and currently has 781 members. Ascención was elected President at the last regular meeting. The other members of the committee are Justino and Carlos. They are all members of the committee and they are community representatives who are elected by the people.They provide this essential service in this community in the city of Paraguarí and help people who need it most. They hope that this sanitation board can continue to grow and reach more people since they believe that all people have the right to this service.They have requested this loan to purchase and repair the water pump and transformer.

Good luck and Merry Christmas!

8 of my 10 open loans were repaying early so I decided to make my 16th loan now:

Mrs. Sarangoo, 24 years old, lives with her husband in Ulaanbaatar, the capital city of Mongolia. The couple runs a handicraft business, and before shifting to a private business they had been working as hand-crafters in an art company for two years. They use waste materials to craft their products, and it has a positive impact on the environment.

As winter comes to Mongolia, their newly built house is vulnerable to strong wind and frost, so she is requesting the loan of 6,000,000 MNT (Mongolian tugriks) to buy construction materials and a low-pressure cooker, which cooks food faster than conventional pans, thus preserving energy. A high-quality house after the repair will stop heat loss and preserve energy. All these are great contributions to the environmental protection efforts.

I wish you all the best, Mrs & Mr Sarangoo!

The bonus system on kiva changed while I wasn’t looking, and so I found myself with a 25$ bonus because knives signed up with my link.

Time for a new loan:

Nadira is 24 years old, unmarried, and she graduated from a local school. She has a beautiful 2-year-old daughter named Salikha. Nadira’s goal in life is to improve her living conditions, send her daughter to a good school and one day to university, and, of course, to expand her business.

Nadira is a very kind, sociable, intelligent and sharp young woman. She started her own business two years ago with an initial investment of 80,000 som (KGS). Today, her product turnover brings her 150,000 som KGS.

Nadira sells women’s clothing at the local market. Her younger brother helps her to run the business.

In order to further expand her business, she has turned to “Bai Tushum & Partners” for a loan of 135,000 som (KGS). She wants to buy a range of insulated winter clothes, which will help her to increase her product turnover. Her goal in life is to raise and educate her daughter.

Warm winter clothing seems like a good thing to sell in Kyrgyzistan. Good luck, Nadira!

All my loans came in on settlement day, so I’m able to give loan nr 14. It goes to Dany:

Dany is a twenty-one-year-old man and lives in the city of Inca, in the district of Santiago with his wife. He is a very kind, hard-working, and enthusiastic person, and he has a great desire for self-improvement. Thanks to his effort, Danny is studying the professional career of Gastronomy.

Unfortunately, through lack of economic resources and through the need to generate higher economic income, Dany had to abandon his studies. In his free time he likes to pray and give thanks for all the blessings that God has given him. Sometimes, his wife cooks a rich Pachamanca to indulge him; this is his favorite dish.

With a lot of determination and dedication, Dany works as a field worker on an agricultural farm in his city. Every day in the early morning hours, he begins his work. He feels a pleasure in his job and believes that he is doing well because of his good performance and for the kind treatment that he offers to others.

Dany finds himself very thankful for the Kiva loans. Thanks to this offered help, he will be able to cover the expenses of the birth and furnishings/clothing for his baby. In this way, Dany will be prepared to adequately receive his baby and he will continue working and exerting himself so that, alongside his family, he can continue moving forward.

Good luck, Dany, and all the best wishes for your small family!

My 13th loan goes to Silvia from Bolivia:

Silvia is single and has no children. She lives at home with her parents and shares in all of the expenses. Silvia has a space that is set aside as her bedroom. The house is made of adobe and has wood floors. Her home is located in the District of Villa Nuevo Potosi in the city of La Paz.

Silvia currently works as an employee at a graphic design firm where she handles the printing jobs. She receives a monthly salary that covers her transportation and food costs. Silvia is also studying to become an elementary school teacher at the Simon Bolivar Teacher’s College, where she is in her third year. The loan she is requesting will be used to buy a computer so that she can complete and improve her studies.

Silvia’s dream is to finish her education so that she can work as a teacher and become independent from her family. This is the first time she is requesting a loan from IMPRO and Kiva.

Good luck Silvia! I hope your dream comes true!