KSC=KIVAShoppingClub Updates

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

Name: Esvelia Location:  Peru Primary Activity:  Property Esvelia is 48 years old and lives in her own home along with her son and elderly mother. She is a teacher at a school located in her area. During the day she works and her son goes to school until very late. Because of this, she decided to rent out her house to a group of teachers who run a daycare for children from 1 to 3 years old. For the past 4 years she has received income from this, which is important for the family´s economy. Esvelia is quite pleased with how profitable the business has turned out to be. For this reason, she would like to fix the walls of her house so that she can offer more comfort and security to her renters. This is her first loan with MFP and she knows the loan will be very useful and promises to pay the installments on time. Esvelia plans to invest the loan in the purchase of construction materials, thereby continuing to build her house.

Name: Mujeres Trabajado Group Location:  Mexico Primary Activity:  Embroidery This group is called “Mujeres Trabajando” (Working Women). The description will focus on Sra. Francisca Felisa Nicolás Gómez, one of the members of this group of women entrepreneurs who want to excel. She is 61 years old and has been a widow since she was 40. Francisca has two children. Miguel is 27 years old and works to help his mother with the household expenses. Jesús is 23 years old and studying for a law degree while his brother and mother support him. Francisca earns a living  by making embroidered blouses and gowns, as well as candles. The loan she will receive will be used to buy more fabric, thread, and other materials needed to continue making these traditional garments. Doña Francisca says she decided to pursue this business activity because she learned the skills from her mother when she was eleven years old. She started this business 30 years ago. Since the death of her husband, she needed to find a way for her children to get ahead. Francisca is very pleased with the results of her business. She has had great success with the number of customers she has gained and it continue to grow since she travels to different states in the republic, where she sells traditional clothing along with her fellow group members. Francisca is extremely grateful for the support and the trust that Fundación Realidad and Kiva lenders have given to her and her fellow group members. She is thankful that they will be able to get ahead in their businesses and help their families improve their quality of life. Doña Francisca dreams of being able to support her children. She wants to help her younger son finish his degree so that he can find a good job and not have to suffer like his brother by having to work in the fields, work at jobs with low pay, or go through stretches of time when no work is available. She also wants to either build or buy a store where she can sell traditional clothing so that she does not have to travel in order to generate better income. Name: Nyètaa 1 Group Location:  Mali Primary Activity:  Farming The seven women of the Nyètaa 1 group are all married and living in big traditional families. Their average age is 41 and on average they have 4 children each.  Wishing to expand their arable land, they came to Soro Yiriwaso and are on their second agricultural (seasonal) loan. Members of the group grow rice, "fonio" (a type of millet) and okra. Mrs. Korotoumou Coulibaly wants to use her loan to buy 25 kg of rice seed, two sacks of fertilizer for grains, two tins of herbicide, and pay for labor to help her transplant the rice seedings and do the weeding in her fields. She buys her agricultural inputs at the weekly market in Sébougou and finds her laborers among the young people's association and the women of the village. With 3.1 hectares, she hopes to produce 10 sacks of rice, 2 sacks of "fonio", and about 30 sacks of okra. Part of her production will be consumed by her family, whereas the rest will be sold to have money for household needs: condiments, school supplies, and health care for her children. Mrs. Korotoumou Coulibaly, like the other women of the Nyètaa 1 group, aims to make the village self-sustaining in terms of food and be able to raise goats and sheep. Name: Violeta Misal Location:  Philippines Primary Activity:  Services Violeta Misal is from the village of Sto. Niño, Tukuran Zamboanga Del Sur. She is 49 years old. Violeta is married and has 3 school-aged children. To make a living, Violeta owns and operates a business venture in the services sector providing waste management services. While not the only means for generating revenue, the main source of income for the business comes primarily from operating boat-ride services. Violeta has been engaged in her business for over 10 years. In 2008, Violeta joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Violeta has successfully repaid a previous loan of 10,000 PHP from GDMPC. This previous loan was used to to purchase a new engine. Violeta is requesting a new loan of 10,000 PHP that will be used to repair an existing vehicle for better service. This loan will be the second loan taken out by Violeta from GDMPC.  Very nice choices Dottie!

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

Name: Benkadi 2 Group Location:  Mali Primary Activity:  Farming The 10 members of this BENKADI 2 group are married women who have an average age of 39 and on average four children. They mostly live in polygamous families in SEREKENI. They work with Soro Yiriwaso so as to better run their agricultural businesses during the rainy season. They are on their fourth loan and the three preceding ones have been correctly reimbursed. Kadiatou Ballo, one of the members of the group, cultivates rice. With her loan, she expects to buy inputs and small equipment to maintain two hectares. After the harvest, the production is sold in the village and at the market of Loulouni to a clientele composed essentially of middlemen who come from

the big cities. Kadiatou expects to earn an average profit of 70,000 F CFA at the end of the season. Her profit will allow her to repay her loan and the interest and also to prepare a trousseau for her daughters.   Name: Ermercinda Location:  Peru Primary Activity:  Agriculture Emercinda, 47 years old, is a very happy and hard working mother, she lives in her own home with her 48 year old husband Roberto and their two young children, and they want to provide a better quality of life for them. Working arduously with her husband, Emercinda has managed to grow her crops of potato, peas and corn, the most needed crops in her village. Every morning no matter what the weather conditions are, they go out to work their farm, as they know that they depend on the income that they earn from selling their products. What she likes the most about her work is to farm her land, which she has been doing for 26 years and she thinks that the most difficult thing is to transport her products to the market in the city of Tarma. In time, she wants to buy more land, to increase production. This is the second loan with MFP and she hopes to be very punctual in the payment of the installments. In her communal group she is a very respected member, on account of the responsibility that she shows. With the two thousand nuevos soles that she is asking for, she will buy more fertilizer to make her land more fertile. Name: Martana Ingrid Gastesi Vera Location:  Ecuador Primary Activity:  Agriculture Martana Ingrid Gastesi Vera is 36 years old. She is single and lives in the canton of Chillanes in Bolívar province. She doesn’t have children.  Martana is a member of the “Genesis” communal bank, which is located almost 2 hours from Chillanes. There are 11 members in total, and the majority of them grow corn, rice, soy, plantains, papaya, and other crops. Martana works in agriculture. She has corn, rice, cacao, coffee, and soy. She sells her products in Mata de Cacao and she goes every week to make purchases and sales. She is requesting the loan to buy fertilizers and insecticides for pests. With the support of this loan she will improve her life and continue growing. Her dream is to continue with her business. Very nice choices Dottie!

[Henry]

there is a calendar of photos just in this months KSC Picks!  Love the loans!

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there is a calendar of photos just in this months KSC Picks!  Love the loans!

I so totally agree Henry!  It has been great fun to post the loans chosen for KSC!
Jane

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Rebecca (reb-mar) and the Kiva Shopping Club would like to announce their latest loans:

Name: Cheikh Ibra Fall Group Location:  Senegal Primary Activity:  Retail The Cheikh Ibra Fall solidarity group was created on 5th December 2007. It is made up of 13 women from the same neighborhood, who are neighbors and/or friends. Mrs. Khady Mboup, who is on the extreme right of the photo and dressed in a large white "boubou" (African dress) sprinkled with black dots, is in charge of the group. She is 43 years old, married and mother to five children. She has also adopted a four-year old orphan. She sells fabrics and shoes. She gets her supplies in Gambia and Mauritania. She has been carrying out this business since 1996. With her new loan she is going to buy damask and

"khartoum" fabrics, scarves and shoes. Her aim is to increase her savings and contribute to the costs of looking after her family.   Name: Blessing Group Location:  Liberia Primary Activity:  Food Market Bendu Kamara, who is holding the sign, is the leader of this group of five borrowers called Blessing. Bendu is 32 years old, married, and has two children who range from 1 to 8 years old. She was only able to attend school through 6th grade due to poverty. For 3 years, she has been selling onions, peppers, tomatoes, and salt in Redlight Market, Paynesville, outside of Monrovia, Liberia. She plans to use her 6,000 Liberian Dollars portion of this 26,000 Liberian Dollars group loan to buy more onions, peppers, tomatoes, and salt. She describes herself as a caring mother. Her goal is to improve her business, educate her children, and build a house. Name: Tièssiri (le Courage) Group Location:  Mali Primary Activity:  Retail Tièssiri regroups ten married women from the Madina Koura borough of Koutiala (third administrative region of the Republic of Mali), who live in large traditional extended families along with their husbands, children and other relatives. They are on average 35 years old and have at least five children. This group of women practices the retail commerce of products such as firewood, clothing, smoked fish and others. Two years ago, the group decided to join the Soro Yiriwaso credit loan association to increase the level of their activities. They are now requesting a fourth group loan, having fully reimbursed all preceding loans. Sali Guindo is the president of the group; she sells firewood, clothing, smoked fish and various other products. She wants to use her loan to buy cartloads of firewood from local workers, clothes from Bobo Dioulaso and Bamako, and smoked fish from village markets in the vicinity of Koutiala. She retails the firewood from her home for cash, and sells clothing and smoked fish at Koutiala’s main market, to a wide and varied customer base. In addition to reimbursing the loan, the group members use part of their earnings to meet habitual family expenses (tuition, children and healthcare). Their ambition is to strengthen their partnership with Soro Yiriwaso, to avoid future supply shortages.   Name: Celia Vásquez Mora Location:  Peru Primary Activity:  Agriculture Celia is a member of the Communal Bank “Capac Qoya”, which is located in the District of Coya in Calca Province, Department of Cusco. Sra. Celia is 77 years old, married, and has three children. She divides her time between her daily activities and her business selling sweaters. Celia weaves the sweaters and then sells them in different places such as Arequipa and Chile. She also has a small plot of land where she grows corn and potatoes. Celia wants to improve her farmland, so she is requesting a loan to buy compost, fertilizers, and seeds. She thanks everyone who has helped fulfill her dream, so she promises to complete her payments by the established deadlines. Very nice choices Rebecca!

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Rebecca (reb-mar) and the Kiva Shopping Club would like to announce their latest loans:

Name: Mujeres De Chonima Group Location:  Guatemala Primary Activity:  Livestock Doña Teodora Elías Tzún is 60 years old. She is a person who has been able to get ahead in life selling clothing on different days by traveling to a variety of places. At the same time she raises animals in order to support her family and cover the household expenses. For this reason, she came up with the idea of organizing a group of ladies who also wanted to succeed. This group consists of eleven members. These women are involved in different business activities such as raising animals, selling clothing, and selling daily consumer products. Since they have limited resources, the members of this group decided to request a loan from Asociación ASDIR so that they could improve the living

conditions of their families. The loan will be a great help with expanding their business capital, improving their sales, and increasing their financial income.   Name: Victoria Women's Group B-2, Lugazi Location:  Uganda Primary Activity:  Clothing Sales Ever since her friend made a believer out of her through persuasion, Ruth Nankabirwa has set her shoulders to the wheel, working vigorously hard to establish a vantage point in the local market in Lugazi for her six-year-old boutique. This required that she take the reins early and boldly in making the right and impacting decisions. She made success doubly sure by these attributes. 36-year-old Ruth has an applied and experienced mind. Her business generates her 200,000 shillings on a monthly basis. Being the wise, hardworking and focused woman that she is, operating a pay-phone business has also been a wise decision.  With this loan, Ruth wants to restock her boutique with new clothes to sell.   Name: Benkadi 3 Group Location:  Mali Primary Activity:  Farming The group Benkadi 3 is made up of ten women, all married with large traditional families. The women are 34 years old on average and an average of 3 children per woman. They live in the village of Korobougou in the rural community of Sébougou in the 4th administrative region of Mali, which is Ségou. They know one another through marital, parentage and business ties. With the goal of increasing the extent of their crop during the winter, they appealed to Soro Yiriwaso and are on their first farm loan. The group members will mainly cultivate peanuts, millet and gumbo. Mrs. Nana Bâh expects to use her loan to buy 3 bags of complex grains, 25 kg of peanut seeds, and to recruit a labor force for hard labor activities and hoeing in the fields. She obtains her supplies at the fair in Ségou. The business of laboring in the fields is men's work, while the weeding is done by the association of women in the village. In an area of 2.9 hectares, Mrs. Nana Bâh expects to get 6 bags of millet, 20 bags of peanuts and 20 cups of gumbo. A part of the grain harvest is consumed by herself, while the rest is sold. The profit obtained will be used to provide for the schooling of her children and the small needs of the household. Very nice choices Rebecca!

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

Name: Sope Cheikh Sadieye Mbaye Group Location:  Senegal Primary Activity:  Embroidery The Sope Cheick Sadieye Mbaye solidarity group was created 5 December 2007. It is made up of women from the same neighbourhood with the same religious faith. Mrs. Fatim Mboup is the person responsible for the group. She is standing at the far right of the picture, wearing a large green “boubou” (dress). She is 59 years of age, married and the mother of three children. She also takes care of her three grandsons. She is a craftsperson: embroidery, crochet, a tailor of “pagnes” (colorful West-African clothing fabric), and creator of bead necklaces. She has been

performing these activities since she was a young girl.  With her new loan she will buy thread and fabric for embroidery work, and also coloured beads and nylon string to create her necklaces. Her objective is to bolster her savings and take care of her dependants.   Name: Maritza Location:  Peru Primary Activity:  Fish Selling Maritza is 47 years old and lives in her own home, along with her husband and two children. She’d been selling prepared food for many years, but now she sells fish in the main fish market in the Cono Sur area. She waits here from 4:00 AM to receive the fish and seafood that she has previously ordered and by 5:00 AM she distributes her wares to all of the small businesses and different markets. The fish in greatest demand are corvina, bonito, and conchita. She’s been doing this for five years and distributes throughout the Cono Sur zone of Lima. In this way she can have better earnings. This will be her seventh loan through MFP and she knows that this money will be very useful for the growth of her working capital. She is committed to making her payments on time and will use the money from this loan to buy more fish and seafood in order to meet her increased customer demands. Name: Aidee Maricela Veloz Reyes Location:  Khujand, Tajikistan Primary Activity:  Agriculture/buy more mineral fertilizer Aidee, 25, lives in a periurban zone in El Paraíso, Guayaquil, an area noted for its hilly streets. She has a small clothing store in the front part of her house. A few years back she started with her clothing store selling children’s clothes that were unavailable around her neighborhood. Gradually with much effort and needing to support her three children she invested her savings in clothes and display cases. Now she has her small clothing store in the front part of her house. She needs a loan to buy clothes and costume jewelry to better stock her store. In the future she’d like to finish building her house and provide better income for her children. Name: Sabrina Group Location:  Nicaragua Primary Activity:  Food Stall The Sabrina Group consists of three hard-working and enterprising women. One of them is Ruth Ileana Gutiérrez Roberto, owner of a small kiosk. For 12 years, Ruth has been selling sodas, yogurts, cigars, perfumes, and creams. She will buy food and perfumes and creams with the loan. The other members of the group are Elena María Chiang Gonzales, who has a small grocery store and sells clothing, and Estela del Socorro Rostran, who owns a modest food stand. Very nice choices Natasha!

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

Name: Sofia Location:  Peru Primary Activity:  Food Stall Sofia is 60 and she lives in her own house with her two children who work and help her with the household expenses. She is a hardworking woman who sells anticuchos (a typical Peruvian dish of grilled beef heart) on the corner of a street by her house. She sells every day and the work begins very early when she buys the meat to rub in the spices. She then spears the meat with sticks and then fries it on the grill. Her food is very sought after for the flavor that it has. When her customers try her delicious anticuchos they are satisfied. She maintains that this is a profitable business since the earnings help her live comfortably. She likes to make the anticuchos because it is a very stable business. And since Sofia likes to work to get ahead, she plans on enlarging her business to offer better service to her customers. This is the fourth loan with MFP, and she promises to make all the payments punctually. She also shows that she is very happy with the work of her

group because all the members are very responsible and supportive. Sofia plans on using the loan to buy a “carrito sanguchero” (a special cart for frying) and also tables and chairs so that her customers will be more comfortable.   Name: Nida Parlocha Location:  Philippines Primary Activity:  Food Production/Sales Nida Parlocha is a widow who lives in Park Kambiakeke, Barangay Guiwanon, Bantayan, Cebu City. She earns her living by operating three business ventures. She has a crab meat vending business, a dried fish vending business and she also operates a sari-sari (general) store. Nida joined NWTF-Project Dungganon in 1999 because she wanted something better for her family. With the help of her past nineteen loans from NWTF-Project Dungganon, Nida has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of 19,500 PHP helped her earn a monthly profit of about $554, raising the family's standard of living. This time, for her 20th loan, she is borrowing 19,500 PHP, which she intends to use as additional working capital so that she can continue to save up for the future of her family and her businesses and for the education of their future children. Nida Parlocha is a Dungganon woman who is following an honorable path toward the achievement of her dreams.   Name: Nguyễn Thị Nhạnh Location:  Viet Nam Primary Activity:  Food Production/Sales Nhạnh Nguyễn Thị (20206030025) is a 61-year-old female living in the town of huyện Yên Phong - tỉnh Bắc Ninh. She is married and has 4 adult -aged children. Nhạnh owns and operates a business making and selling food, primarily dried goods, in the local community. Nhạnh has been engaged in this business for over 10 years and earns approximately 3,500,000 VND a month from it. In 2009, Nhạnh joined SEDA to gain access to financial services to help improve her living situation and ability to engage in business activities. Nhạnh has successfully repaid a previous loan of 5,152,000 VND from SEDA, which was used to purchase raw ingredients needed to make products for sale. Nhạnh is now requesting a new loan of 7,840,000 VND which will be used to purchase raw ingredients needed to make products for sale. This will be the 2nd loan taken out by Nhạnh from SEDA. Nhạnh plans to use the additional revenue generated from the business to improve/expand her business. Very nice choices Natasha!

[Henry]

..... has run off with KSC money!   

but on a serious note...  to the KSC managers (WHO WORK SO HARD!!!)- is not having a chat room making things more difficult?  Because I can create one on the KSC Site for you to use if needed.

[Henry]

I got an email saying a check was coming  

Sep 23, 2010   697878   Jun 30, 2010   $125.21   Uncashed

I went shopping for shoes online ... bought my first pair and completely forgot about Igive ....  but the second pair I used IGive.   I even did an online 'coupon' search for the company i was shopping at and found a $10.00 coupon that worked!!!

Shopping online is great! - Shopping online using IGive is even Better!!!

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