Mortgage the House! Sell the Kids! There's a Loan Up Now You Won't Want to Miss.

[Guest]

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[Mona]

What a wonderful loan! 

http://www.kiva.org/lend/178910


María Mercedes Pizarro Salas was born in the municipality of Santo Tomás, department of Atlántico, where she still lives and enjoys the affection of its inhabitants; they call her “La Seño” (short for “Señora” or “Señorita”; commonly associated with a teacher but with respect and affection) because of the great number of children that have participated in her school project and are now adults, professionals, parents who continue use her nickname as when they were children. To her, Santo Tomas is a municipality of people willing to help each other and even outsiders; they like festivals and that is why they have the Carnaval Intermunicipal del Atlántico that integrates the entire Department; but beyond dancing, the “Tomasino” (as people from Santo Tomas are called) is a human being who likes to study and has great capacity to improve herself or himself.
María Mercedes has a facility next to her house where she takes care and prepares children to get through pre-kinder, kinder, and transition period; she also conducts activities to reinforce and compliment the work of students brought by their parents; the students are coached to exceed their school achievements through guided work. She had not finished high school when she started this line of work, and she begun by helping the neighbor’s children without charging them, but they brought their own desks to sit on; little by little, with the level of progress achieved by these children, many “tomasina” mothers sought her services; for this reason and with their help, she decided to expand the classrooms and she equipped what are now 3 classrooms, where the children learn in a better space. In the interest of continuing to bring a better learning environment, she is requesting a loan of $2.000.000 that she will invest in improvements of her facilities, such as: plaster walls, change roof cover, accommodate ecological areas and buy inexpensive and healthy snacks for her children.

Her mid-term dream is to expand the coverage and enter the educational system officially, for which she is preparing; even though she has no biological children, her calling as a mother and a teacher is completely dedicated to the children, and the ones in her school project are no exception. She stimulates the completion of the different levels by integrating the children with their parents through small ceremonies for fulfilled achievements, in which all participants feel happy with the progress, especially “La Seño”, as she is known by everybody in Santo Tomás.

15 months loan from Fundación Mario Santo Domingo, Colombia (4*), no currency risk

[Mona]

http://www.kiva.org/lend/180437?_tpos=1&_tpg=1


Digmelia, 47, lives with her husband, who is a teacher, and her children, who are now independent; this allows her to focus full-time on her business.

"They are like my own children," she states when referring to the children that attend her child care center. This is because she has become so attached to them that she loves them as if they were her own. She tends to the center from 8am until 6pm; a period of time when many mothers leave their children with her to be cared for. They have several reasons for doing so: work, study, etc. So Dogmelia, very patiently and with much dedication, assited by two young employees, tends to the children initiating them into the learning process with various challenging games and readings. She enjoys her work very much and loves doing it. This is why she would like, in the future, to enlarge the space of her "Cuna-Escuela" so that she can house more children.

This is Digmelia's 7th loan with MFP; she has never defrauded the institution. On the contrary, she has been very punctual with every one of her payments. Now, with the requested funds, she will buy some materials that she needs for her child care center so that the children will feel more comfortable.

14 months loan from Microfinanzas Prisma, Peru (5*), currency risk possible

[jennifer]

This is the first time I've seen this Pro Mujer program posted on Kiva.

Jesus Te Ama Jov Group, Bolivia

Asociaciones Comunales de Jovenes is a work model developed by Pro Mujer a few years ago in order to support initiatives for the self-employment of young people. This credit is meant for groups of 4 or more young people that promise, along with their parents, to solidify their guarantee. These groups pay all together, along with adult associations that generally become like mentors to these young men and women. The communal association, "Jesus Te Ama," is composed of a group of 2 girls and 2 boys, who follow this plan.

In the photo, there are the two boys with caps and the two girls with a blue and a white jacket. Omar Chambi Quispe is the president of the group of young people. He is 18 years old and has been a member for two loan cycles. He has a carpentry business that he has grown by partnering with his friend 5 years ago. Nowadays, he makes bed stands and bedside tables, which are his specialty. With his first loan of Bs1000 (he remembers having bought wood, now that his credit is Bs2000), he hopes to buy his own work tools: a hammer, a plane, and wood, his most important commodity. Finally, he states that what he likes most about Pro Mujer is spending time with the members of his group.


This is the parent group

[Alaska Pack]

Here is a loan listed under personal purchases but it is to fund his son's education.



Location:     Chinandega El Bisne, Nicaragua           Repayment Term:     13 months
(more info)
Activity:    Personal Purchases         Repayment Schedule:    Monthly
Loan Use:    Payment of university tuition and school supplies         Currency Exchange Loss:    Covered
               Default Protection:    Not Covered

http://www.kiva.org/lend/178272

Mr. Ramón Natividad Quevedo Martínez works at the Chinandega mayor's office as the cemetery groundskeeper. He is married with two children, one in college and the other in high school.
Mr. Quevedo has already taken out four loans with us. He has been an excellent client, a hard worker, and is always dedicated to his children's development.

[kf08]

Good Hat Loan!  Maybe someday I'll figure out how to copy pictures quickly...but check it out!

Lynn

Ismailova Gulshair's Group
http://www.kiva.org/lend/184205

[Jan & John]

Good Hat Loan!  Maybe someday I'll figure out how to copy pictures quickly...but check it out!

Lynn

Ismailova Gulshair's Group
http://www.kiva.org/lend/184205

and they also grow lots and lots of potatoes... my kind of loan, thanks Lynn



-jan- 

ps just put the link to the photo in between the image tags...
I learned by clicking on 'quote' and then copying how other people did it

[Mona]

Going fast!

http://www.kiva.org/lend/184736


Deborah is a hardworking woman who own a private clinic and also sells drugs. She has been in her business for some years. With this she meets her family’s needs, including feeding, clothing and giving sound education to her children. Deborah has also saved lives through this means of rendering medical care to the sick.

Deborah hopes to improve on her service delivery to patients and buy more drugs to sell. She is requesting a loan of NGN 80,000 to purchase more drugs to sell. Deborah is 48 years old, is married with six children, and lives in Lagos State, Nigeria. Her husband work as a civil servant in Lagos and they are doing well. She thanks Kiva for this wonderful initiative.

10 months loan from LAPO, Nigeria (5*), currency risk possible

[Mona]

Thanks for the pointer, Berry! 

http://www.kiva.org/lend/185073?_tpos=3&_tpg=1


Lutaaya Ziporah is the leader of her lending group in Ibanda. She has been a medical worker and birth attendant in Ibanda for over thirty years. Ziporah is grateful for her loans for they have helped her expand her business as well as enabled her pay her children’s school fees. She is a good lady who knows how to handle her clients, and this has won her many genuine friends. She is able to make 350,000/= in profit a month.

Ziporah is a 52-year-old lady and is married with six children, all in primary school. She also takes care of three dependents. Her major goal is to improve her business by providing quality services and to ensure that her family is happy and healthy. Ziporah needs a loan to help expand her business by buying more supplies for medical care.

8 months loan from Pearl Microfinance Limited, Uganda (4*), currency risk possible

[Jan & John]

Nice to see someone who *has a dream*...

http://www.kiva.org/lend/186421



Lilian Akinyi Odhiambo is 27 years old, married, and the mother of one child. After quitting her house help job, Lilian decided to venture into business selling vegetables in Nyalenda, Kisumu, Kenya. She started her business in 2006 to generate income and support her husband in providing for the family.

Lilian dreams of expanding her trade so that she is able to buy a car for her business. For this reason, she decided to join the microfinance program of Kiva partner, K-MET, to expand her business knowledge. She is requesting a loan of 20,000 KES to increase her stock, with the hope of seeing her income grow. With her new profits, she hopes to build her own home, but this does not mean that her dream of buying a car has disappeared!

14 months loan from KMET, Kenya (only 2* but I personally love KMET), currency risk possible

[cjp1973]

In case you are still waiting to get in on a Sri Lankan loan, another has posted:

Nayani Lakmali

Nayani is 29 years old and lives with her husband, two daughters and two sons. Her husband is a driver and he helps her in her business. She works hard and places her priority on operating her business.

Nayani's business involves preparing lunch packets containing rice and curry, which she has been doing for more than ten years. Currently, she prepares thirty lunch packets per day. There is strong competition in her area for selling lunch packets, but Nayani's husband helps her by delivering and selling them to customers at his place of work, which greatly helps the business.

Nayani is seeking a 35,000 LKR loan from BRAC Sri Lanka which she will use to purchase new kitchen items. She hopes to expand her food delivery area and use the additional income to open her own food cafeteria.

and this one for a new sewing machine http://www.kiva.org/lend/187576