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

[Guest]

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[Diane R]

Charlie and I join Jan and John on the loan to Rehema Tewela, so we're well-represented! 

--Diane.

[Jan & John]

almost wore out my refresh finger
jan

[waywardcats]

Teacher loan alert:

Rza Azizov

Rza Azizov is a 48-year-old man who breeds calves and sells dairy products to the local people and dairy factories. He is married and has 3 children. The difficult circumstances and hardships in his life made him recognize the value of work from a very young age. For about 8 years he has been purchasing young cattle in the local market, fattening and then selling them.

Raising livestock is the main financial income source in his family, beside this Rza works as a school teacher in a local school. But his salary as a teacher is quite small and he has focused more on improving and expanding his livestock activity.

Rza wakes up early every morning to feed his calves and cow with the goal of selling them at the best price in the local market when they will be grown enough.

Rza `s main goal is to provide education for his children, and with this purpose in mind, he has applied for a loan in the amount of 1200 USD to buy calves in order to expand his business. Let's support this hard-working man and hold our hands out to help him.

-Kerry-

[mejane]

FYI - Nepal is putting up several loans RIGHT NOW.  However, they are going very fast if you want one!
Jane

[Henry]

I've got donuts in chat!!!   (edit:  donuts all gone)
http://www.kiva.org/app.php?page=businesses&action=about&id=64854&_tpos=1&_tpg=1

Hello, my name is Sara Alvarez. My work is producing and selling donuts, a business I have been running for many years already. I am the mother to 4 children and my husband and I have decided that we will each keep working at our business so that we will be able to cover the necessities of our household. But now I require financial help to purchase ingredients to produce my donuts, and therefore have improved sales and better earnings. We require our earnings to support our children, who are the most important thing in this life.

[Jill]

I would like to encourage Kiva Friends to rethink the desirability of saving/hoarding places on a particular loan in a way that may effectively close out the great majority of would-be Kiva lenders from having (much of) a chance of participating.   

I’ve done it myself, a number of times for certain friends whom I contacted to say, “I’ve got a place for you.  Jump on quickly if you want in on it.”  And I’ve had it done for me—a bunch of times.   And really, it is great fun, particularly when a certain loan seems to have a certain friend’s name on it—or mine!   I’m telling you that because I didn’t want to come off as, I certainly don’t feel “holier-than-thou” about this.

It’s just that having been on both sides of it, I’ve come to believe it may be “ok” to hold one or two places on a loan for a very limited period of time, if it’s done relatively rarely.   But if truth were told, particularly in these sparse loan times, but maybe in general, as fun as it is both to be the one saving a place for a particular friend or having a friend save a loan I’d love for me, I’m not sure I feel that even that is “fair” when I think of all the non-Kiva Friends or the Kiva Friends who do not participate in “chat” who won’t have a chance or much of a chance of getting in on the really neat * loans.

Yes, I did get in on the Honduran doughnut loan, myself, but that was only after seeing it seem to be closed out after every single $25 parceling out beginning when it was only something like 18% filled, and only because I was persistent and lucky.   The last time I looked, just now, it still appeared to be filled/closed out, and that when it's now up to 76% actually filled.

Please understand that this is not being directed at Henry.... at all.  He just happened to be the one who posted here about this particular loan, and he didn't do any more or any less than so many of us have done in the past.  I've felt this way for a really long time, have talked about it in PMs and in e-mails with a number of you.   

I suppose it was my having spotted the loan and seen how much of it should have been open before I even came to the Forum,  tried to get in on it and couldn't-- the first very many attempts I made--- and then come here and saw that a post about it had been made alerting people to its availability -- that that, and the fact that the exact same thing has happened to me (to many of us?) so very many times, before, that all that was what got me writing this, today.

* Of course, neat, like just about everything else, is in the eye of the beholder.  But with that said, there are certain loans, now coming up, it seems, even less often than that once in a blue moon, that seem to be almost universally exciting or desirable.

[Henry]

I just don't know what to say!   other than, everyone should be a kiva friend! 

[saabnet]

I've got donuts in chat!!!   (edit:  donuts all gone)
http://www.kiva.org/app.php?page=businesses&action=about&id=64854&_tpos=1&_tpg=1

Sorry I missed it out here on the west coast, but thanks for holding a little bit earlier...

-Scott

[Jan & John]

Jill, this one is a tough call because I have also enjoyed being on the receiving end of a good loan.

I actually held a piece of loan the other day - and not for a KF chat room friend...
but for a friend who was getting very frustrated because there were no loans to be had.  I called her at work to let her know I had some.  Thankfully her refresh button works too

I still have 2 young people that I gave gc's to who haven't yet been able to find loans.  I am giving out another gc this weekend, and because I am on Kiva much more often than they are, I will be watching for a good loan for them. 

I think if we can all be sensible and just take little bites and leave some for sombody else - that way everyone can have some fun.

jan

so Henry - just how BIG is your BITE 

[Henry]

It's a tough call, but I will continue to hope when that 'special' loan comes along someone holds it for me!  I can't be a hypocrite and say I'll never do it again, just like it would be a good time to 'reduce lending' so others can get the good loans, from either side it's a personal decision.  I also find it warming that people here care enough about each other to share the loans! 

My bite was 1/2 of the loan value that filled quick.  Every 180 seconds I released $50 of it, I watched who was on-line on KF, and paused to give them time to get into chat.  I released $50 each time, so that the KF would have a better chance of getting on the loan knowing that others were trying just as hard.  Jill got in on the second release of $50, I saw her online  reading the post, then spotted the funding - at the same time Lorna got in on the same release.  I was releasing a little faster because I didn't want it to drop out of my basket before I could fund my $25 of it.

bottom line...the loan(s) get funded.