Entrepreneurs Who Create New Jobs in Their Communities

[Guest]

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[Amy-in-PHX]

José is a young man of 26 who owns a business selling ice cream from a vehicle that goes round the streets of the city. The business is called "Yiuleima Ice cream." He lives with his wife; they have 5 children aged between 1 and 11 years. He dreams of seeing them prosper after having been given a quality education, and it is into this that he puts all his efforts.

His business was born two years ago, prompted by his father who has also been working in this line of business for over 5 years. When José started, he invested in a tricycle and gave it to his brother so he could start selling. As he realized the business that had resulted from this, he made two more tricycles. He hired two salespeople, and later added himself as well. Currently he sells throughout the beach and the two salespeople sell in a nearby township and some surrounding neighborhoods. He has approximately 1500 customers, and he works from 2:00 p.m. until 7:00 p.m. He lives in his own home with two of his children, as the other three live with their mother and grandmother.

He lives in his own home with his spouse and two of his children. José loves his work, so wants to expand his coverage. He is very happy because he has the support of his family and his brother also works in this business. His infrastructure is two freezers located in his mother's house, where he stores the product. His Kiva loan is the first financing that he has done through Fundación Mario Santo Domingo. With it, he will have working capital available to make purchases of ice cream, and he plans to use his Kiva loan to replace expensive financial liabilities. These actions will allow rapid growth of the business.
http://www.kiva.org/lend/311853

Jose may not use the current loan to make new hires, but since his business is ice cream, and it's the 4th of July, I wanted to post his loan.  Good luck, Jose!

[Jan & John]

first of all, I could eat that whole tray of beignets...


but then I just love a lady with plans for the future...

This client is 48 years old, married, and has two children between the ages of 22 and 24. To overcome her family's difficulties and support her children's education, she started making and selling beignets. She runs her business at home, and her sales vary between 10,000 and 25,000 Fr per day.

After being granted her loan, she is going to strengthen her business by buying two bags of flour, one 50kg bag of sugar, two 25L cans of oil, salt, baking powder, one 50kg bag of rice, and 25kg of milk.

In the future, she wants to open a pastry shop to make various types of cakes such as brioches and fruitcakes, to deliver in bulk and open other outlets in places like schools and markets, and finally to find young people who are currently unemployed and willing to work for her.

-jan-

[chipinforchange]

http://www.kiva.org/lend/335163
Iringo Twebiseho Group
Ntungamo, Uganda
Construction | Bricks

A portion of Iringo Twebiseho Group's $1,075 loan helps the borrower described to hire and pay more laborers to help him make bricks.

Repayment: Apr12

[Amy-in-PHX]

Juan Carlos, together with his eight employees, prepares spices for sale.
He will use his Kiva loan to buy additional spices for development of the business.
His goal is to have his business be large and stable.
http://www.kiva.org/lend/376885

[Amy-in-PHX]

Jesse was a hair stylist in Louisiana since 1996, until Hurricane Katrina devastated the state in 2005 and prompted him to re-locate to Austin, Texas. So he's especially appreciative of the lending assistance he received from ACCION Texas Inc., as he found re-starting his business in a different state was a complicated endeavor.

He employs 11 hair stylists and plans to hire more within the next year. In order to do that, though, he will need a larger building in Austin's downtown. This, he said, may necessitate another loan. For the time being, Jesse is using his loan to replace two styling chairs, purchase two TVs (which his clients have requested), and use the rest for marketing.

http://www.kiva.org/lend/388713

[Amy-in-PHX]

The featured borrower in this group loan from FRAC (Mexico) is 27 years old, married to a farm worker, and has three daughters, of whom two are in primary school and one is in preschool. The borrower sells tamales, atole (a hot corn-based beverage), and rice tacos. She is applying for a loan to buy ingredients in larger quantities, and charcoal. She began this business two years ago. Her mother had a similar business and helped her cook. Her business is important because she has income to buy fruit or pay for some of the school expenses of her daughters. She feels proud when her customers tell her that her food is delicious. She goes out with her cart to offer her products to the merchants in the plaza. As a housewife, she is planning to hire a person to sell food and thus reach more sales locations. Her business has helped her family when her husband didn't have work, as they take from the business for food.
http://www.kiva.org/lend/390195

[Amy-in-PHX]

This borrower in New York, USA, has been making her own, unique pesto sauce since 1993.  She has been selling the pesto from her small home business. She currently offers three different flavors that are made from her all natural, garden-fresh ingredients. She goes further in insuring a quality product by packaging it in light-weight PET jars that are easily recycled or reused, rather than bulky and breakable glass jars. For some time she has used her own kitchen to produce her sauce, however, recently she has been given the opportunity to use a commercial kitchen through a local business incubator.

Currently, the borrower operates without any employees and still maintains a full-time job at another business. In the near future, she hopes to grow her own business to the point where she can bring on new employees and become self-reliant. The purpose of this loan will be to buy bulk inventory and move into a commercial kitchen. She would also like to use it to patent her sauces and participate in food craft shows and farmers markets.

[Amy-in-PHX]

This borrower is a client of ACCION Texas, and he lives in South Texas.  He worked 18 years for heavy equipment businesses owned by others.  In November 2010, with a wide customer base and experience, he decided to quit his job and work for himself. He started the business in his home, and about eight months later, his business grew out of his house into a stand-alone store.

The business sells and leases equipment and signs to local construction businesses, including traffic control signs and cones, lights for working at night, etc.  He serves the Brownsville, Alice and McAllen area in South Texas.

His business employs two full-time workers and one who is part-time. He hopes to hire seven more employees within the next year. “Maybe that’s pushing it; let’s say five,” he said. “Seven would be ultimate. If we open other locations, it’ll be well over seven.”

He will use the ACCION Texas loan for working capital and inventory. Right now, he has 15 to 20 pieces such as diesel-powered light towers for overnight construction workers, barrels and various signs. “There are well over 100 different types (of equipment) that we’d like to have,” he said.
http://www.kiva.org/lend/395524

[Amy-in-PHX]

This man has a workshop in Ecuador, where he has made crafts for fifteen years. He and several other young people learned to carve a long time ago, and today it is how he earns his living. He works up to twelve hours a day when there are orders to fill. His wife also helps him. He is keen to expand his business so he wants to buy materials and hire someone to help him increase production.
http://www.kiva.org/lend/398124

[FoxyOxy]

http://www.kiva.org/lend/399348

"[Hawa from Congo] is very entrepreneurial and employs over ten apprentice hairstylists who work under her command. She is thinking about opening another hair salon".

That's a whole lot of job creation!