KSC=KIVAShoppingClub Updates

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Cheryl S and the Kiva Shopping Club would like to announce their latest loans:

Name: Good Hope Group  Location:  Liberia Primary Activity:  Food Market Esther Garyeazohn, who is holding the sign, is the leader of a group of five borrowers called Good Hope. She is married and has two children who are 13 and 26 years old. Esther was only able to attend school through 4th grade due to lack of financial support.  For more than 10 years, she has been selling rice, pepper, oil, and other items in Cotton Tree Community, Harbel, outside of Monrovia, Liberia.

Esther plans to use her 8,000 Liberian Dollars portion of this 40,000 group loan to buy more bags of rice, pepper and oil.  Esther, who describes herself as a loving mother, plans to use the increased profits from the loan to improve her business, complete her house and build a shop.   Name: Luz Fugaz Group  Location:  Mexico Primary Activity:  Retail This group is called Luz Fugaz because the members are like this name since in their meetings they are very quick and organized to make their payments.  The group is composed of 10 women. The president of the group is called Guadalupe G. and is 32 years old. She completed her secondary studies and sells juices. She has three children that depend on her. Her husband has been a shopkeeper for the past five years. Mrs. Guadalupe's clients comment that she is an enterprising and independent woman that strives to move ahead and create a better quality of life for her family. Her goal in life is to be able to provide a good education for her children so that they do not have to suffer like she did and to become a businesswoman. She plans to invest her loan in the purchase of seasonal fruits for her juice business. Ms. Maria del Rayo V. is 28 years old and married. Her husband works in sales. She has only completed her primary education. She has been selling household products for the past six years. She is pleased and dedicated to the sale of various products. She has sought out a loan to invest in more and new products for her customers. Her customers describe her as a young and enterprising woman with a desire in increasing her earnings, contributing towards her family's expenses, and improving her family's well-being. The other members of the group are:  MARIA ELENA B. Food sales, CAROLINA G. Sale of shoes, GUADALUPE V. Sale of clothing and fabrics, MA. DEL CARMEN S. Sale of household goods, GRISELDA AMERICA B. Sale of clothing and fabrics, MA. CONCEPCION G. Sale of natural products, ANA MARIA L. Sale of watches and jewelry, MARIA DOLORES C. Sale of toys   Name: Jehova Es Mi Pastor 1,2 Group  Location:  Dominican Republic Primary Activity:  Cosmetics Sales Lucia is the coordinator of her group Jehova es mi Pastor (God is my Pastor), and her story is representative of her group and of Esperanza's Haitian and Dominican (many of whom recently emigrated to the DR from Haiti) clients generally. Her group is located in the urban slums surrounding Santiago, an area famous for tobacco and beef production, where running water (none of which is potable) and electricity are unreliable. She makes her home here in a simple structure with her long-term partner and three children.  Lucia is excited to be taking her fifth loan with Esperanza after having repaid her previous loan and grown her business. She plans to use this loan to invest in her business selling cosmetics by purchasing Avon and Abel beauty products as well as perfumes, creams and women's underwear. She will use the profits to continue investing in her business, with the long-term goal of saving towards purchasing her own home. She thanks all of you for your support.   Name: Chuyen Thi Nguyen's Group Location:  Viet Nam Primary Activity:  Farming Chuyen Thi Nguyen is 36 years old. She lives in Tien Kha village, Tien Duong commune, with her husband and two children. She is a farmer. She grows rice and vegetables and breeds pigs. She has a monthly income of about 2,000,000 Vietnamese dong (VND).  She has participated in SEDA since 2006 and repaid punctually. She is the leader of five-member group loan with SEDA, a Kiva partner. In this loan cycle, she would like to borrow 7,630,000 VND to grow vegetables. About the other borrowers in her group: Xuan Thi Pham is 48 years old. She wants to borrow 5,014,000 VND to breed pigs. Chu Thi Nguyen is 50 years old. She wants to borrow 5,014,000 VND for a small business. Toan Thi Tran is 57 years old. She wants to borrow 5,014,000 VND to breed poultry. Vu Thi Tran is 30 years old. She wants to borrow 6,322,000 VND to breed poultry and for a small business.   Very nice choices Cheryl!

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Cheryl S and the Kiva Shopping Club would like to announce their latest loans:

Name: Elsa Joaquin Location:  Philippines Primary Activity:  General Store Elsa Joaquin, a widow at 54, is making sure that her family has enough provisions for their daily needs. She makes sure that she earns well so that she and her child can have a better life. She has been managing her own variety store and computer shop for the past few years. Elsa has been a regular member of Center for Community Transformation (CCT)* for more than a year now. She regularly attends their weekly fellowship meetings and pays her weekly dues consistently. Because of her good repayment performance with her previous loans, she has been able to borrow quite a few times in CCT’s

Cooperative. She is consistent in paying her dues because she uses the money she borrows to expand and improve her businesses.  To ensure the success of her business, Elsa would like to apply for a 16,000 Philippine peso loan. This money will be used as a source of added capital to expand her business by buying computer parts needed for the shop. She will use half of the loan to purchase groceries, toiletries and beverages for the variety store. Elsa dreams that her business will continue to grow so that she can provide for her child’s education.   Name: Secours Divin Group  Location:  Haiti Primary Activity:  General Store The “Secours Divin” or “Divine Assistance” group is excited about receiving their 3rd loan from Esperanza. The group has a variety of businesses, from the selling of gas for household lamps to the selling of used clothing and sandals. Marilia Pierre is the general president of the group. She lives in a mountain community which has no running water or electricity. Marilia sells a variety of products based on the needs of her clients. Her inventory includes sandals, undergarments, sugar, oil, flour, clothes-washing soap, etc. She hopes to so return to Port au Prince to begin purchasing her merchandise in her own country. Since the January 12th earthquake, she has been unable to purchase in Port au Prince and now buys in the Dominican Republic.  In the future Marilia would like to grow her business and begin investing her profits in animals, then in real estate. On behalf of Marilia, Secours Divin group, and Esperanza we thank you for your support. Name: Peace Location:  Rwanda Primary Activity:  Clothing Peace is 58 years-old and married with eight children. Seven of her children are in school and her husband is unemployed. Peace sells clothes and has done this business for the last 10 years. With the loan she plans to buy more clothes to sell and therefore make more profit. Her dream to save enough and to buy a cow in addition to the business she has. Very nice choices Cheryl!

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Charity and the Kiva Shopping Club would like to announce their latest loans:

Name: Benkadi 7 Group  Location:  Mali Primary Activity:  Farming The nine members of the Benkadi 7 group are married women, on average 43 years old with four children. Most live in polygamous families in Nangola, one of the villages in the Dioïla Prefecture of the Koulikouro region, which belongs to the 2nd administrative region of Mali. They collaborate with the Soro Yiriwaso MFI to better organise their activities at the start of the winter campaign. The crops they speculate on are ground nuts and millet, among others. This is their fifth campaign loan, and all previous loans were

well reimbursed.  With this new loan, Faty Barry intends to buy seedlings and fertiliser before prices increase, small farming equipment and pay labor costs to cultivate approximately 2.5 hectares (6 acres).   Name: Rosa Maria Saquisari Ayala  Location:  Ecuador Primary Activity:  Fruits & Vegetables Rosa is a member of the communal bank "Narancay Bajo." She lives in the Rumiloma community, which is 20 minutes outside of the city of Cuenca. Here the people work in agriculture, and many leave for the city in search of better work opportunities.  Rosa has been a member of the Fundación Espoir for 5 loan cycles. She was encouraged to join the communal bank by her mother. She works selling fruit in the market, an activity that she has been carrying out for 10 years on Wednesdays, Saturdays and Sundays. Her mother encouraged her to do this work so that it would improve the finances of her household.  Rosa is 32 years old, married, and has 3 children who are 12, 8 and 3 years old. Her oldest son entered high school this year, and her second daughter studies in a school in the city. Her husband is a bricklayer. They are living in a rented home, as they do not own a home of their own.  This new loan will be invested in the purchase of more fruit so that she can continue to expand her business. Her dream is to eventually have her own home. Name: Ray Phol  Location:  Cambodia Primary Activity:  General Store Mrs. Ray Phol is 32 years old and married. In order to help meet her family's needs, Ray Phol sells some grocery items, both retail and wholesale, at the local market. She has five years experience in this sector and earns approximately $4 per day. Her husband assists her in operating the business. They have been married for years and have six young children who attend school. Ray Phol hopes to enlarge her business and is applying for a US $600 loan to be used to accumulate a larger number of necessary grocery items to sell. With any remaining cash from the loan, she will repair her old house. Name: Mercedes Nohemi Guevara Acuña Location:  Nicaragua Primary Activity:  General Store Mercedes Nohemí is married and has one minor child. Her husband works as a contract construction worker. She studied in school through the fifth year of secondary school, but could not go on to a university because the situation in the country is difficult. Mercedes has a small general store in her home which she runs herself. She started up her store two years ago out of the necessity of getting ahead and seeking alternatives sources of income for supporting her son since, although her husband works, he does not earn enough. She wants this loan for the purpose of buying a variety of products to supply the shop she has in her home. She dreams of stocking a greater variety of products to offer in her business, and of one day investing in and selling clothing in her business, in order to realize better earnings. Very nice choices Charity!

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Charity and the Kiva Shopping Club would like to announce their latest loans:

Name: Fawzia Shabana Group  Location:  Afghanistan Primary Activity:  Taxi Sayeed Aasim is the son of Meer Ahmad Sayeed and the leader of Fawzia Shabana group. He lives in the 8th district, Kabul Afghanistan. Sayeed is 21 years old and married. He lives with his father and mother. He is a taxi driver and he drives in the city of Kabul. He works very hard to earn more money and to meet the requirements of his family. He needs to purchase some parts for his car and other things which he needs.  Therefore, he has requested a loan to buy car parts for his taxi. He is glad that through this nice process he is able to progress and make his life better.

Name: Anonymous Location:  Lebanon Primary Activity:  Transportation This Kiva borrower is a 35-year-old married man living with his wife and three young children in Lebanon. Ten years ago he started working for a company by transporting supplies. In 2006, he purchased his own minivan and started working on his own.  He is now requesting a $1,200 loan from Kiva partner Ameen s.a.l. to improve the van's condition and paint it. Name: Mean Toun  Location:  Cambodia Primary Activity:  Grocery Store Mrs. Mean Toun is the mother of four children: one is now married with their own home, while the remaining three are single. To help meet the family’s living expenses, two of her daughters are employed: one sells cake and one is a part-time laborer. Mean Toun has been generating $2.5 per day from working as a rubber collector on the plantation where her husband also works. Mean Toun is concerned that the current revenue she and her husband earn is not enough to support them. She plans to make extra income by investing in a grocery store, but doesn’t have the money to begin this process. Thus, Mean Toun would like a loan to build a small store in front of her home where she will sell grocery items. Very nice choices Charity!

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KSC has received a journal update for Mineratu Sahid


The table belonging to Mineratu Sahid is piled with a wide variety of local handicrafts and artwork. Mrs. Sahid's wares are located near the entrance to the aptly named Big Market on Freetown's Wallace Johnson street, not far from the waterfront. When asked about business, she nods and says that things are going fine. Prior to this particular visit, she had recently made her first loan repayment. Mineratu puts some of the profits from her business back into purchasing more stock, while some of it she uses to pay for her grandson's education.

When asked about her longterm goals, she says that she'd love to one day help her son continue his studies and to move out on his own.

Posted by Aaron Kaye from Freetown, Sierra Leone
Jul 9, 2010

[Henry]

I'm so proud of all of you working so hard keeping KSC funds working! 
 

[Henry]

Received and Deposited into KSC3 from Igive - $47.39

 

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Mona and the Kiva Shopping Club would like to announce their latest loan in celebration of Mona's milestone 1,500th loan:

Pensamientos Group This group is called "Pensamientos" ("Thoughts"), and it is made up of 17 women who are working hard every day to get ahead and provide a better future for their families. They are located in the Chalco Valley, in the State of México. The members of the group are: Lourdes Paz Ponce (cosmetics sales by catalog), Mirna Socorro González Campos (cosmetics sales by catalog), María del Socorro Reina Santos (auto parts sales), Reyna Santiago Cruz (machine embroidery), Norma Zenón Montoya (fruit and vegetable sales), Maricela Campos Ramírez (music sales), Paulina Ramírez González (shoe sales by catalog), María Elena Dámaso Jiménez (cosmetics sales by catalog), María Daniel Cielo (flower sales), Raquel Ortega Santiago (beauty shop), María de Lourdes Ortega Santiago (desserts), María del Roció Cenon Montoya (fruit and vegetable sales), Concepción González Campos (shoe sales by catalog), Rose lía García Cuandon (music sales), María Esther Pérez Herrera (shoe sales by catalog), Rosa María Martha Vara Jardon (construction materials), and Sara Zenón Montoya (lingerie sales by catalog).

Reyna Santiago is a single mother with three children, who are already grown and married. She used to work as a cleaning lady, but when she began suffering from osteoporosis, she had to leave her job, since the condition affected her legs. She decided to dedicate herself to another kind of work, so 15 years ago, she began making hand-knitted garments such as blouses, jackets, scarves, sweaters, baby clothes, etc. At the beginning, it was hard for her, but with time and continuous practice, it became easier. At present, she buys magazines to make more modern clothing designs and satisfy her customers' needs.  She will use the funds from the loan she is requesting to buy yarn, hook closures, buttons, zippers, etc. Whenever she goes out, Reyna takes a sample garment and also carries supplies to keep working during the journey. She offers her merchandise to her family members and neighbors. She makes the most sales for special days such as birthdays, and during the cold months. With her earnings, she wants to support her daughter with her therapy so that she will be able to walk again, since her daughter also has osteoporosis which is advancing very rapidly. In the future, Reyna plans to open her own store and put her blouses and jackets on display, so that people will get to know her work and she will increase her sales.

Reyna and the other members are grateful for the support provided to them by Kiva through the Realidad Foundation, which will help them achieve their goals.

Congratulations Mona!

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Mona and the Kiva Shopping Club would like to announce their latest loans:

Name: Virginia Pescante Location:  Philippines Primary Activity:  Fish Selling Virginia Pescante is a widow. She earns her living by operating three business ventures: buying and selling dried fish, buying and selling ready-to-wear clothes and raising hogs. She has eight children who range from 7 to 30 years old.  Virginia joined NWTF-Project Dungganon in 1999 because she aspired for something better for her family. With the help of her past 18 loans from NWTF-Project Dungganon, Virginia has been incrementally lifting her family out of poverty by the sweat of her brow.  This time, for her 19th loan cycle, she is borrowing PHP 25,000, which she intends to use as additional capital for her dried fish business so that she can continue to save up for the future for the education

of her children. Virginia Pescante is a Dungganon (a Hiligaynon word that means "honorable") woman who is following an honorable path toward the achievement of her dreams.   Name: Jitegemee Group Location:  Tanzania    Primary Activity:  Poultry Irene Cosmas, age 43, is a widow with three children, ages 23, 18 and 16 years. She has had a poultry business for one year now. She works from 6 am to 9 pm daily and she is able to make a monthly profit of about $201. This will be Irene’s second Motisha loan from Tujijenge Tanzania. A Motisha loan is a product offered by Tujijenge Tanzania that allows borrowers with good credit ratings to pay back their original loans faster and receive extra money before their original loan term has ended. Irene hopes for another Motisha loan to buy chicken feed. Irene will share this loan with her loan group Jitegemee which has 15 members. In the picture, Irene is first on the left, standing, and wearing a white dress. Name: Wilma Talastas Location:  Philippines Primary Activity:  Retail Wilma Talastas is a 51-year old widow who supports her family by operating two business ventures: a lumber yard and a cassava plantation.  She has been a member of NWTF-Project Dungganon since 2002 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her lumber yard and plantation, she is gradually making her family more economically stable. She now earns an average monthly income of PHP30,000. Wilma is now borrowing PHP 29,500 to use as additional working capital. This will be her 22nd loan from NWTF-Project Dungganon. Her previous loan of PHP15,000, which she paid off well within its term, was just another step in her journey towards economic freedom. Wilma aspires to elevate her family's living conditions and ensure their future well-being by following the Dungganon way.   Name: Juana Huamana Apaza Location:  Peru Primary Activity:  Food Stall This borrower belongs to the “QORI ORCCO” communal bank.  Her name is Juana and she is 61 years old. She is a widow and has 5 children, all of them grown and independent. She works in the retail trade in the Urcos district where she lives. She has a stand selling chicken and fish in the Urcos central market. Juana has operated this business for 23 years. Thanks to this work, she has been able to buy and build a house of her own. The proceeds from her business have also helped pay for her children's studies and their education in general. She is very happy and grateful to God for everything she has been given, and she is very comfortable with continuing to work. She is very happy to be a member of her communal bank; it also gives her a very good excuse to meet with her friends and share with them. She is requesting this loan to buy chicken and fish from her suppliers and thus increase her sales.  Juana infinitely values and appreciates the loan granted to her, since it will allow her to expand her business and improve her quality of life. Accordingly, she is committed to making all of her payments on time.   Very nice choices Mona!

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Mona and the Kiva Shopping Club would like to announce their latest loans:

Name: Maranatta Sisters For Development Group Location:  Liberia Primary Activity:  Cosmetic Sales Mercy Gardner, who is holding the sign, is the leader of this group of five borrowers called “Maranatta Sisters For Development”. She is 35 years old, is single, and has three children who range from 9 to 18 years old. Mercy was only able to attend school through 6th grade due to lack of financial support. For twenty years, Mercy has been selling cosmetics in Chicken Soup Factory Market on the outskirts of Monrovia, Liberia. She plans to use her 4,000 Liberian dollar portion of this 26,500 Liberian dollar group loan to buy more cosmetics to sell. Mercy describes herself as a serviceable woman. Her dream is to improve her business and continue to educate her children.

Name: Mujeres De Esperanza 1 & 2 Group Location:  Dominican Republic Primary Activity:  Used Clothing Julia plans to use this loan to invest in her business by buying secondhand clothing bags and selling them by the piece. She has had her business for around three years. She makes her home in a simple structure with her three children. She says that her most difficult challenge is to provide her family support and unity after getting divorced. At present, she enjoys being with her children and cook. Julia is the coordinator of her group Mujeres de Esperanza 1 & 2 ("Hope Women"). She is excited to be taking out her first loan. She will use her profits to buy things they need as a family and she dreams of having a beauty salon and a good house. This Esperanza associate began with us because she likes the program and it is the first time loans like Esperanza gives go to her community and her friends are involved with her in this activity to help people business initiative. Her story is representative of her group and of Esperanza's Haitian and Dominican clients (many of whom recently emigrated to the DR from Haiti) generally. Her group is located in the rural areas surrounding La Romana, where the sugarcane harvest and tourist industry dominates the economy. This area, like nearly all impoverished areas of the Dominican Republic, suffers from unreliable running water (none of which is potable) and electricity.   Name: Floriza Location:  Peru Primary Activity:  Agriculture Floriza is 45 years old and an exemplary woman who is able to move her family forward by herself. She has been a widow for 15 years and has six children, but now lives in her own home with her youngest child and three grandchildren. Floriza has been a farmer for 30 years. She has the help of her children which keeps her from tiring easily and speeds up the completion of the work. Using the money she earns from selling her crops, Floriza is able to pay for household expenses. For this reason, she spends time during each planting setting up traps to prevent her crops from being attacked by insects. Floriza grows pineapples, bananas, cassava, corn, and coffee. Since she considers these crops to be profitable, she hopes in time to improve her planting so that she will experience greater production. Floriza also would like to open a food store in her home so that she will have the benefit of more income. This is the third time she has received a loan from MFP. Floriza is excited about continuing to work with her Communal Bank because the members are considered to be good people and hard workers. The loan she requested will be used to buy several sacks of organic fertilizer so that she can stabilize her production and have a harvest that results in larger coffee beans.   Very nice choices Mona!