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Author Topic: "WE ARE BETTER TOGETHER." PLEASE ACT NOW FOR ACTION NOW:KENYA  (Read 35076 times)
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YowieFreak
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« Reply To This #100 on: January 28, 2009, 06:14:49 PM »

There are numerous reasons why the loans may not have been disbursed:
  • deliberate fraud
  • administrative error - e.g. putting loans up on Kiva but lending the money to the borrowers using money from other sources (the money should then have been refunded to the Kiva lenders, and it may have just been a procedural error that it wasn't)
  • inability to locate the borrowers again when the money was ready to be disbursed
  • etc

So I'm not in favour, and I'm not not in favour, of reinstating AN:K.  I think that is a decision that can only be made by Kiva because they have the facts and we don't.

Ian

P.S.
At least with MIFEX, the recipients got 85% of the disbursement.

I'm not sure which is worse - only giving 85% of the raised funds to 100% of the borrowers (MIFEX), or only giving 100% of the raised funds to 85% of the borrowers (AN:K) - but my gut feeling is that the latter may be worse if it was deliberate.
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wthepoo
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« Reply To This #101 on: January 29, 2009, 03:20:19 AM »

For anyone in favor of reinstating ANK, I would like to know your reasons despite this serious breach of Kiva policy.

Visitor Number 1,

because I think I have been the first one to post about a "second chance", I guess I should answer your question despite there have been some great answers already from Tatiana, Richard and Ian.

So far, we don't have an indication (let alone a proof) that AN:K made anything up or defrauded Kiva lenders. Yes, it is a (very) "serious breach of Kiva policy", but there are different and diverse explanations (see Ian's post for some) ranging from oversight and incompetence to "adaptation to new situations" and finally fraud. That's different from MIFEX - with them, it is pretty obvious (at least to me) that they must have acted with the intention to defraud Kiva lenders. Another difference is that MIFEX has kept the lenders' money, AN:K - so far - has been paying back (with some delinquencies).

Tatiana already mentioned the "soft spot" I (and many here) have for AN:K - a "soft spot" they earned by loving presentations of their borrowers, diligent journaling, and unusual and very caring approaches/strategies. So, yes, I may be foolish, but I am still believing in the best (or least bad).

Should Kiva find, though, that either:
* AN:K at any stage posted loan requests on Kiva with the intention not to disburse the funds to these particular borrowers,
* AN:K intentionally made Kiva lenders believe (e.g. by journals) in one of these 31 cases that "their" funds had been disbursed to a particular borrower,
* AN:K tried to cover up this "affair",
my view would be far less favourable.

Still, I do generally believe in 2nd chances - but as Ian said, Kiva staffers have the facts and we don't, and Kiva staffers have to make the decision. So I can just lobby for a second chance in case AN:K deserves it - Kiva could feel compelled to easily close down Partnerships that at some stage blow up like this just to prove to their lenders that they have learnt from MIFEX, and I would not want AN:K to be such a case.

Best wishes,
Wolfgang.
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Jill
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« Reply To This #102 on: January 29, 2009, 09:21:01 AM »

I’m afraid that with this admittedly too undetailed post that I’m about to make, I am going to strike many of you as cryptic and unforthcoming as some of the updates from Kiva have sometimes struck me.  For now, I can only say that that’s not how I want to be about this.  I’d much prefer for you to have all the information that I have, even the more and more confusing as it’s felt to me,  and for you to be able to make up your own minds, or maybe more accurately, for you to figure it all out.


However, I am very deeply committed to trying to do the “right thing” both by Kiva which I still, very much care about and by ANK, which I still continue to believe in, as well.   As it turns out,  at this point, I am not at all sure what that “right thing” is or how to proceed, and I’m not all that confident that I’m ever going to feel that I will know that.


So, I apologize, in advance, for what I know is going to be a very unsatisfactory post, information-wise, that is.   I can only tell you that I believe that if most of you were in my situation, you’d want to be the most careful and the most fair that you could be, too.


For now, I’m just going to say that I’ve been in rather extensive correspondence with ANK, and in some, if quite a bit to a lesser degree, with Kiva.   Not having “been there,” I can’t say with absolute certainty that my assessment of the situation is an accurate one, and I’m not asserting that.  I can and will say, though, that it’s my rather strong sense that nothing dishonest or lowdown has occurred in ANK’s dealings with Kiva or with us. 


Instead, from what I can gather, there appears to have been this pretty close to tragic, almost Shakespearean lack of communication, lack of understanding of what’s going on, of what has been going on, of how business is done, of how it has been and of how, it, necessarily, must be transacted – very possibly on both sides.  It’s my sense, which may or may not be legitimate, that both sides have earnestly been trying to communicate, though, perhaps, one side quite a bit more than the other.   But, still, both sides.   


But that whether it’s a cultural thing (I don’t think so),  or an unwittingly fixed mindset thing, or a tech-accounting language thing or a “this is our reality—we are doing the absolute best that we can – why can’t you get that?” thing or some other “thing,” it feels, for me, as though Kiva and ANK have been the proverbial two ships passing in the night.


I don’t understand a lot of what I have been given (sent) to read.  And I sure as hell don't really understand or, honestly, want to take the time to try to understand, all the disbursement stuff, this, and the PA-2 (or, whatever it is) stuff, that.  And so,  I don’t understand a lot of what, actually, has happened. 

But what I sense, strongly, and what I think I do understand is that there very well might be two sides in this instance, both of which, very possibly (for me, it’s now likely) are on the up-and-up, who for whatever reason are not getting through to one another, are not fully understanding the other, and it’s gotten, actually, quite painful.   I ache to think that they may never get together, that is, reach the understanding that I think (but no, I don’t know for absolute sure) is there to be gotten.


So, sorry, you guys, but that’s all that you’re getting from me.  I felt that I wanted to, for myself, I “needed” to say something,  and I wanted to suggest that, in this case, especially, you might want to be super careful about jumping to any conclusions of wrongdoing. 

I sign with hopes for peace and fairness for all,
Jill
« Last Edit: January 30, 2009, 12:34:50 PM by Jill » Logged
Eli
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« Reply To This #103 on: January 30, 2009, 08:35:53 AM »

This morning I received an email from ANK about a loan that has been paid back.  But according to ANK it is a different story.  Many of you may remember Sera Matukho and her Medical Clinic since many KFs are also on the loan: 

http://www.kiva.org/app.php?action=about&id=25119&page=businesses

And the message received:

"This is an update on your loan to Sera Matukho in Kenya.

Sera Matukho, after receiving her loan, she paid her first her first
installment .later when went round for our monthly business visit we
learnt that she had closed down her business and had changed her area of
operation. We are yet to establish her location.rnrnrn On behalf of ANK
staff."

« Last Edit: January 30, 2009, 08:37:50 AM by Eli » Logged

In the end, we will conserve only what we love.
We will love only what we understand.
We will understand only what we have been taught.
                           ~Baba Dioum, Senegal
wthepoo
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« Reply To This #104 on: January 30, 2009, 11:23:13 AM »

Eli,
thanks - I don't quite know what to make of that...

All in all, I am under the impression that AN:K is really struggling at the moment to get their name cleared on Kiva and be un-paused, again, with journal updates to most loans (often just re-posts, though), and with something else that I don't think I like very much:

I (together with Cheryl, Jill, Geoff, [EDIT] and Greg) received an update with photos of a questionnaire filled in by the borrower about two and a half weeks ago:

http://www.kiva.org/app.php?page=businesses&action=about&id=57594



(link: http://cdn.kiva.org/img/orig/264169.jpg)



(link: http://www.kiva.org/img/orig/264171.jpg)

Apart from the facts that the borrower seems to claim/claims to pay as per schedule while the loan is delinquent, and that I cannot quite make out what it says at #4 about why he received only half the sum (see also question 5: 35,000 KSh instead of 70,000 KSh as requested), I was taken aback by the last questions:

Quote
8. What do you think about ANK being paused on the KIVA website?
9. What do you intend to do to help improve the situation?

and the borrowers remark at #10:

Quote
The ANK Executive should do all ways possible as by laws to the allegations which are baseless.

Sorry, but right now I feel it's "bad taste" to confront the borrowers with such questions.
Any thoughts?

Thanks and best wishes,
Wolfgang.
« Last Edit: January 30, 2009, 01:20:41 PM by wthepoo » Logged
Jill
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« Reply To This #105 on: January 30, 2009, 12:33:46 PM »

This is in response to Wolfgang’s post and to many of the doubts and pre-judgments about ANK that have and that haven’t been articulated – both here and at Kiva, itself.

I received a communication today for which I’m seeking authorization to share it – either with you all, or with Kiva, or, from my perspective, preferably, with both.  Whether or not I do get permission to “go public” with it, I suppose that it’s, at least, now, only on my word and on your better inclinations to try to give people the benefit of the doubt that you might accept my saying that there are a whole bunch of different ways of viewing an elephant.

I feel close to absolutely certain that if you had the information that I have, you’d be tremendously more sympathetic and less reserved in your support and goodwill toward ANK than it seems you’ve been able to be, thus far.

Again, I apologize for not being able to be more forthcoming, more specific in what I’m saying.   It’s not how I would choose to have it.

Jill

Absolutely no slam intended toward you, Wolfgang.  I hope you know that.

« Last Edit: January 30, 2009, 12:36:49 PM by Jill » Logged
wthepoo
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« Reply To This #106 on: January 30, 2009, 12:44:33 PM »

Absolutely no slam intended toward you, Wolfgang.  I hope you know that.

No problem, Jill. Thanks for your concern.

I very much hope to learn more from you in the near future, as I want to believe in AN:K and hope we will see them "active" again (see my earlier post and my post in the "Concerns" thread); just right now their actions don't seem to make that much sense to me.

Best wishes,
Wolfgang.
« Last Edit: January 30, 2009, 12:45:49 PM by wthepoo » Logged
greg3912
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« Reply To This #107 on: January 30, 2009, 01:17:03 PM »

I am on this loan to Joe Maina and also got the e-mail today with copy of his questionnaire. My first reaction was a sense of dismay that ANK felt it necessary to require, and post, this type of questionnaire as proof of their dealings with the borrowers. Of course I did not get anything similar on my other two ANK loans, so this may be an isolated incident. However, it does sound like ANK is trying to clear their name and provide proof of their validity as a FP directly to us as lenders on KIVA.

Let's hope we see them regain their ACTIVE status real soon.
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wthepoo
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« Reply To This #108 on: January 31, 2009, 05:46:23 AM »

FYI, here's a link to another questionnaire:

http://www.kiva.org/app.php?page=businesses&action=about&id=52581

Should I receive/find any more, I will edit and amend this post.

Best wishes,
Wolfgang.

EDIT:
Not too difficult to find:
http://www.kiva.org/app.php?page=businesses&action=about&id=10176 (Nicholas Marwa)
http://www.kiva.org/app.php?page=businesses&action=about&id=49284 (Philip Omurunga Eyinda)
http://www.kiva.org/app.php?page=businesses&action=about&id=5935 (Jerusa Apiyo)
http://www.kiva.org/app.php?page=businesses&action=about&id=7061 (Nancy Mwongela)
http://www.kiva.org/app.php?page=businesses&action=about&id=6092 (Douglas Yungo)
http://www.kiva.org/app.php?page=businesses&action=about&id=38895 (Grace Muthoni)
http://www.kiva.org/app.php?page=businesses&action=about&id=4566 (Ruth Omamo)
http://www.kiva.org/app.php?page=businesses&action=about&id=5421 (Charles Omondi)
http://www.kiva.org/app.php?page=businesses&action=about&id=50592 (Charles Macharia)
http://www.kiva.org/app.php?page=businesses&action=about&id=10178 (Rose Kamene)
http://www.kiva.org/app.php?page=businesses&action=about&id=11542 (Josephat Njoroge)
http://www.kiva.org/app.php?page=businesses&action=about&id=7052 (Josephine Mungania)
http://www.kiva.org/app.php?page=businesses&action=about&id=16545 (Helen Moraa)
http://www.kiva.org/app.php?page=businesses&action=about&id=7271 (Wilson Wamusosi)
http://www.kiva.org/app.php?page=businesses&action=about&id=64104 (Ann Wanjiru Irungu)
http://www.kiva.org/app.php?page=businesses&action=about&id=28151 (Susan Wambui Kamau)
http://www.kiva.org/app.php?page=businesses&action=about&id=16055 (Kennedy Macharia)
http://www.kiva.org/app.php?page=businesses&action=about&id=24918 (Rose Orunga)
http://www.kiva.org/app.php?page=businesses&action=about&id=6976 (Eunice Odipo)
http://www.kiva.org/app.php?page=businesses&action=about&id=38936 (Abraham Isiaho)
http://www.kiva.org/app.php?page=businesses&action=about&id=54205 (Caroline Akinyi)

I shall refrain - for now - from analyzing them but some of them I find very interesting, others very moving, and one or two rather confusing.

EDIT 3: Deleted EDIT 2 (sorry for the confusion).
« Last Edit: January 31, 2009, 11:30:44 AM by wthepoo » Logged
Jill
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« Reply To This #109 on: February 23, 2009, 09:59:08 AM »

As I wrote nearly two full months ago, soon after I learned that Action Now: Kenya had been  paused:

I continue to very deeply believe in Irene Kamau and the staff of the MFI she founded, Action Now: Kenya, and I await their reinstatement to Active status with inexpressible impatience.


And that's not to mention ANK's clientele, our Entrepreneurs, whom I very much want to mention and whom I very much believe in as well.

If anything has changed during that two month interim, it is only that I feel those things even more strongly, now, than I did then.

Jill

« Last Edit: February 23, 2009, 10:01:14 AM by Jill » Logged
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