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Author Topic: KSC=KIVAShoppingClub Updates  (Read 312065 times)
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KSC
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« Reply To This #1500 on: July 01, 2011, 08:44:47 AM »

Amy-in-PHX and the Kiva Shopping Club would like to announce their latest loans:

Name: Dios Es Bueno 1, 2 & 3 Group
Location:  Dominican Republic
Primary Activity:  Food Cafe

Margarita is excited to be taking her second loan with Esperanza. She is the coordinator of her group Dios es bueno 1, 2 & 3 (God is Great). Margarita's group is located in the rural areas surrounding La Romana, where the sugarcane harvest and tourist industry dominate 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. Her community is a batey, where most of the citizens are Haitians who emigrated to work in different industries in the Dominican Republic. This group is composed of 15 Haitian businesswomen.
Margarita has had her business for around a year. She plans to use this loan to invest in her business by purchasing bread, jam, cheese, fruits, sugar and snacks for her food stall, where she will add more meals, such as rice, beans and meat to sell for lunch. Her profits will be used as savings because her children will start school again in about 3 months and she need the money for their school supplies.
Margarita makes her home in a simple structure with her four children and her long term partner. She says that her most difficult challenge is to educate and raise her children in a foreign country and to provide what her spouse can't. By working and selling, she helps to bring income to her household. In the meantime, she plans to continue enjoying to cook and have fun with her family by watching tv and doing other activities.
 
Name: Ali
Location:  Lebanon
Primary Activity:  Auto Repair

Ali is a 60-year-old married man who has worked hard painting cars for the past 35 years. He's an expert in his field, and most of his clients have been dealing with him for that long time. He is a hard working man who is requesting a loan from Kiva's partner, Al Majmoua, for the first time in order to buy necessary paints and tools for his business. Ali invests his good reputation in improving his business and expanding his working zone, and he hopes to stay healthy in order to meet his customers needs.

 
Name: Karomat Hoshimova
Location:  Tajikistan
Primary Activity:  Agriculture/Animal Sales

Karomat is 52 years old woman who is married. Since her husband works in Russia, she has worked in the business of buying and selling cattle. Currently she has two cows and four sheep. She has a land, which she cultivates for fattening her cattle. Now Karomat wants to expand her business and since her children are grown up she thinks that she will be able for looking after more cattle with their help. Therefore, she is for asking 4000 TJS in order to purchase sheep. Karomat expresses her gratitude for everyone supporting her and she promises to repay the loan in time.

Name: Drocella
Location:  Rwanda
Primary Activity:  Food Market

Drocella is 30 years old and is married with four children between the ages 3 and 10 years old. Her business is well-organized and she sells beans in her business. Drocella employees two people to help her and she has four years of experience.
Drocella has requested a loan from Kiva lenders in order to purchase more beans to sell. With these profits, Drocella will reinvest in her business and pay her children's school fees.



Very nice choices Amy!   Smiley

« Last Edit: July 01, 2011, 08:46:13 AM by KSC » Logged
KSC
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« Reply To This #1501 on: July 04, 2011, 09:09:14 AM »

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

Name: Elena
Location:  Ukraine
Primary Activity:  Clothing Sales

Elena is not married, but has two daughters whom she loves very much. Elena has her own business.
Elena sells women's denim clothing: skirts, pants, shorts, jackets and other items. She enjoys her work because she loves what she does. Her vendor location is in a very good spot near the market's entrance. She has a very good charisma and persistence, but is also a very kind person at the same time. Elena plans to develop her business and is not going to stop at what she has already achieved. She is working to provide her children with what they need.
Elena is asking for a loan for 11,200 hrivnas to buy seasonal merchandise. She hopes to increase the sales volume and get an additional profit.

Name: Sharofat Urmanova
Location:  Tajikistan
Primary Activity:  Cafe

Sharofat lives in Tursunzade, Tajikistan. She is married and the loving mother of one child. Her husband works in a firm that produces aluminum, which is called “Alumini Tojik.” She works in the local café of “Lazzat.” She cooks the national cake called “Sambusa” and bread.
Sharofat would like to get a loan of 5,000 Tajikistan somoni for repairing her café and purchasing equipment for the production of ice cream.

Name: Lucy Graciela Mamani Vasquez
Location:  Peru
Primary Activity:  Retail

Lucy is a member of the “Virgen de Concepción” communal bank located in Ayrumas Carumas in Acora District, Province and Department of Puno. She is 36 years old, married and has two school age children. She completed secondary school.
She has been working with the Manuela Ramos Movement for the last year. Her previous loan was for 300 new soles and she used it to raise domestic animals like cattle and sheep. She also relates that she sells fruit, groceries and crafts like knit caps, socks, mittens, caps, booties, etc. In reality, she’s quite the businesswoman. On the other hand, she 
also trains women who live near the area.
She will use the new, 1500 new sol, loan to buy 20 lambs to raise for two to three months. Her daughter helps her with the business. Her husband works in the city of Arequipa.
Her dream is to improve the livestock and have her own crafts shop to produce the items of clothing in quantity and of better quality.
What she likes about the communal bank is the punctuality and the earnings she makes on savings.
 
Name: Mariam Traore
Location:  Mali
Primary Activity:  Food/Cereals

Ms. Mariam is 54 years old, married, and the mother of seven children. She lives with her husband, her co-wife, and their children in the Sogomougou district of Koutiala City.  Due to family problems, Mariam could not continue with her schooling, which is why she soon became interested in commerce at an early age, along side her mom. After having run several revenue-generating businesses, she opted in the end to buy and sell peanuts and has been doing so for twenty years now.
In order to increase her working capital and to expand her business, Mariam turned toward the micro-finance institution Soro Yiriwaso
seven years ago. She took out thirteen loans with the association (solidarity loans) that were all properly repaid. She is now on her first individual loan. With this financing, she intends to buy 10 sacks of peanuts from grain stockers of Koutiala and to make her sales at the main market. Her customer base is composed of women and men. Sales are made in cash and generally at the retail level.  She plans on a monthly profit of 80,000 francs CFA that she envisions using for repaying the interest on the Soro loan and improving her family’s living conditions.
 
Very nice choices Cheryl!   Smiley
« Last Edit: July 04, 2011, 09:11:54 AM by KSC » Logged
KSC
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« Reply To This #1502 on: July 04, 2011, 09:22:05 AM »

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

Name: Maria Irma Chanona De Los Santos
Location:  Mexico
Primary Activity:  Internet Cafe

Maria Irma lives in Coapilla in the state of Chiapas, Mexico. She is married to Jose, with whom she has three daughters: Iris del Rocio, 17; Jania Margarita, 3; and the youngest is Jimena Marisol, who is 1 year old.
This time she will invest the loan in the purchase of letter-sized paper and performing maintenance on the computers at her internet cafe, where she has been working for 2 years and 3 months. She says that it's going well and is bringing in more income for her home.
She was motivated to begin this activity by her family and her husband, who is a systems engineer, and who told her that if she wanted to have a business that made her happy she should have a cyber cafe because they bring in good earnings.
Her greatest wish is that with this business she will be able to take care of herself and her family, and the loan will help her to keep it in good condition and keep her customers happy with the service she provides.

Name: Dalila Sarai
Location:  El Salvador
Primary Activity:  Food Production/Sales

Dalila lives with her husband, and they don’t have children. She has a business making tortillas that she started with her mother. She works from Monday through Saturday, and this source of income helps her husband cover their home’s needs.
She is currently requesting a loan to buy corn and firewood to prepare more tortillas. This loan will help her buy the materials she needs to continue with her sales.
Her aspiration is to achieve greater comfort and peace with her business through finances that will let her develop it.

Name: María Del Carmen Aguinaga
Location:  Nicaragua
Primary Activity:  Fruits and Vegetables

María del Carmen is 57 years old. She is a hard-working and entrepreneurial woman who has five children. She tells us that all of her children are fine, upstanding men and women. María has been selling fruit, vegetables, basic grains and other products for several years. She will invest this loan in buying seasonal fruit and vegetables in order to strengthen her business.

Name: Chantal
Location:  Rwanda
Primary Activity:  Fruits and Vegetables

Chantal is 33 years old and is married with two children aged 3 and 4. She sells various vegetables such as tomatoes and aubergines in her boutique. Her business is well-organized. She has two years of experience in her business and she works from 6 a.m. until 8 p.m. every day except Sunday.
Chantal has requested a loan from Kiva lenders via Vision Finance Company in order to purchase more vegetables to sell, so she can improve her business. With the extra profit, Chantal will reinvest in her business and save for her future.

Very nice choices Cheryl!   Smiley
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KSC
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« Reply To This #1503 on: July 04, 2011, 09:31:13 AM »

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

Name: Susanbar
Location:  Armenia
Primary Activity:  Agriculture

Susanbar is from the village of Saratak in the Shirak region of Armenia. She is married with four children – two daughters (twenty-nine and thirty-seven years old) and two sons (thirty-three and thirty-five years old). Susanbar has a high school education and has been working in agriculture for thirty-nine years. She supports her family with the proceeds of the family farm. She dreams of saving enough money to help her grandchildren attend university. Susanbar is looking for a loan to purchase potato seeds and fertilizer. She expects her investment to increase the family income by twenty-five percent. Susanbar enjoys living in Saratak as she is close to her children and grandchildren.

Name: Renfort Plus Group
Location:  The Democratic Republic of the Congo
Primary Activity:  General Store

Angèle, aged 40, is married and the mother of a daughter aged 22. Angèle is the chairwoman of the Community Bank named “Renfort Plus” which comprises 22 members united in solidarity to receive Kiva loans with the goal of developing their businesses.
Angèle has been part of the micro-enterprise world since 2007. She runs a general store in the eastern area of Kinshasa. She has acquired solid experience in this area and works hard with good management skills in order to realize her dream of one day opening a large store in her
environment. She would also like to achieve financial independence through her business that earns her $100 per month. She works to the best of her abilities and uses her contacts so that she might achieve her goals. She will diversify her business by adding semolina for resale at profit with this next loan.
 
Name: Malikahan Kaharova's Group
Location:  Kyrgyzstan
Primary Activity:  Sewing

Malikahan, 56, is the leader of this group. She has been a self-starter since early childhood. In this way she found the talent of sewing in herself. An unending interest in fabric and new ways of design pushed her to pursue a profession as a seamstress and a fashion designer.
Since all of her kids are already grown and live separately, Malikahan says she can devote herself fully to the business. The entrepreneur designs bedding for traditional Kyrgyz families. They include quilts called “kurpa”, “tushak” and pillows of different sizes and designs. She graduated from a technical college and knows how education is important in the development of a person. The
business started with an initial capital of 500 soms and now brings 1,300 soms monthly. Malikahan applied for a loan because she needs to purchase materials for sewing national souvenirs.
 
Name: Ariunzaya
Location:  Mongolia
Primary Activity:  Transportation/Taxi

Mrs. Ariunzaya is 32 years old and she lives with her husband and 2 children in Darkhan, the second largest city of Mongolia. They live in their own flat in the center of Darkhan.
Mrs. Ariunzaya is a teacher of Mathematics in the local secondary school. Her son attends a secondary school and her daughter goes to the local kindergarten. Her husband runs a taxi business, using his family car, carrying passengers between Darkhan and the capital city, which is 220 kilometers away. On average, he makes one trip per day to the capital city, occasionally two. Mrs. Ariunzaya’s father is a former taxi driver and he is unemployed at the moment. Mrs. Ariunzaya wants to buy an another car to use for the taxi business as well. Her father will act as a taxi driver to earn some extra income for the family. Mrs. Ariunzaya is going to use her family’s savings,
but needs some money on top of it to buy a car with lower mileage.
The loan that Mrs. Ariunzaya is taking will be used to buy the second hand car and to use it for taxi business employing her father and to increase her family’s income.
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Very nice choices Kestrel!   Smiley
« Last Edit: July 04, 2011, 09:32:30 AM by KSC » Logged
KSC
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« Reply To This #1504 on: July 04, 2011, 09:41:36 AM »

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

Name: Amal Shanti
Location:  Palestine
Primary Activity:  Clothing Sales

Amal has a big family of three daughters and two sons. Amal and her husband work together in their clothing store selling clothes for all ages. They need to pay for the new summer clothes they are buying, but the money they have is not enough, so they took out a loan from FATEN to make up the difference.
Amal is a conservative woman therefore her husband is photographed instead.

Name: Zambezi Group
Location:  Zimbabwe
Primary Activity:  Clothing Sales

Greetings from Zimbabwe! This is 49 year old Jenipher (holding the yellow folder) from Masvingo. She is widowed with four children.
Jenipher runs a retail business selling clothing and footwear at the local flea market. The business has been in operation for 10 years and she employs two people. She says the main challenge she faces is limited capital. Jenipher has requested a loan of $300 to increase her stock of clothes. She says the extra income generated as a result of this loan will allow her to improve her family's quality of life as there will be more disposable income. In the future Jenipher plans to grow her business into a shop.
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Name: Elavagnon Group
Location:  Benin
Primary Activity:  Home Products Sales

Elavagnon is a group of fifteen members, and its president (with her hand raised) is Zénabou. The group's members live in the same neighborhood in Benin. To increase working capital, the group is seeking its first loan through Alidé.
Born in 1982 in Benin, Zénabou lives with her children in a city in Benin. Zénabou no longer lives with her husband. She supports five children, four of whom are her own. All of the children are in school. She lives with her children and supports them alone. Zénabou has little schooling.
Zénabou sells cooking utensils in a city in Benin. This business generates revenue for her, helping her to meet her children's needs. Zénabou buys
her products in Ghana, a country bordering Benin.
This first loan will surely allow (?) and other members of the Elavagnon group to build their businesses and increase their client base and their income.
 
Name: Galina Nosenko
Location:  Ukraine
Primary Activity:  Clothing Sales

Galina has been happily married for many years. She has two grown-up children. Galina has her own business: she sells shawls, scarves, hats and swimwear in season at the market. She enjoys this type of work and always sells only quality items. Galina is a cheerful and friendly person. She spends her income on her family, helping out her children and grandchildren.
Galina is applying for a loan of 20,000 UAH in order to buy swimwear for the summer season. Expanding her stock will attract new customers and increase the family’s income.





Very nice choices Kestrel!   Smiley

« Last Edit: July 04, 2011, 09:42:42 AM by KSC » Logged
waywardcats
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Xania, Crete

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« Reply To This #1505 on: July 04, 2011, 10:28:50 AM »

KSC2 has just been notified of a defaulted loan.

Omar from Lebanon

Quote
Omar is the owner of the grocery store took a loan of 2000 Dollars and paid back 1355, so 645 are still missing.

He faced a lot of personal problems, in a way that he couldn't manage to solve any, which affected directly his business.

He closed his business and ran away, no one knows anything about him even his family members.

So it wasn't the stiff competition among grocery stores, that affected his business and defaulted his loan, but it's his lack in business management, in a way that he couldn't split between business and personal problems.

We hope one day we can get in touch with him and update you with any necessary information we get.

$8.06 of the loan was unpaid at the time of the default.

-Kerry-

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"Our daughters can contribute just as much to society as our sons, and our common prosperity will be advanced by allowing all humanity - men and women - to reach their full potential. I do not believe that women must make the same choices as men in order to be equal, and I respect those women who choose to live their lives in traditional roles. But it should be their choice. That is why the United States will partner with any Muslim-majority country to support expanded literacy for girls, and to help young women pursue employment through micro-financing that helps people live their dreams." - President Barack Obama, June 4, 2009
waywardcats
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« Reply To This #1506 on: July 04, 2011, 11:23:26 AM »

Here is the latest financial report for KSC.

iGive Disbursed amount   $4,471.73
less  Kiva losses               -$12.05
       expenses:              -$119.76 - web hosting 2009
       Kiva donations:          -$7.50
       not yet deposited      -$29.30 (will go in to KSC3)
plus  Lendrr donation          $25.00
        Henry matched          $25,00
                                 $4,353.12

Balances in accounts:  KSC1 = $1,500.00
                               KSC2 = $1,480.45 ($1,500.00 less loss of $12.05 and $7.50 donation = $1,480.45 )
                               KSC3 = $1,372.67 ($1,322.67 less $119.76 expense and plus $50.00 in donations = $1,252.91)
                                          $4,353.12
 
Loans:

KSC1 = 479
KSC2 = 393
KSC3 = 194

Total loans = 1,066   Total amount lent = $26,650.00

Please let me know if you have any questions.

-Kerry-

Edit: to fix error.
« Last Edit: July 04, 2011, 02:51:26 PM by waywardcats » Logged

"Our daughters can contribute just as much to society as our sons, and our common prosperity will be advanced by allowing all humanity - men and women - to reach their full potential. I do not believe that women must make the same choices as men in order to be equal, and I respect those women who choose to live their lives in traditional roles. But it should be their choice. That is why the United States will partner with any Muslim-majority country to support expanded literacy for girls, and to help young women pursue employment through micro-financing that helps people live their dreams." - President Barack Obama, June 4, 2009
Amy-in-PHX
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« Reply To This #1507 on: July 04, 2011, 12:38:25 PM »

 Thank You     Thanks, Kerry, for the accounting re KSC!
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We can do no great things - only small things with great love.     (Mother Teresa)
waywardcats
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Xania, Crete

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« Reply To This #1508 on: July 20, 2011, 06:50:18 PM »

KSC3 has just been notified of a defaulted loan.

Luz Fugaz Group from Mexico

Quote
We are writing to inform you that in accordance with Kiva's policies, this loan has been defaulted as it is more than six months past due. Please be aware that if the borrower begins paying back again, we will continue to return the funds to you. Thank you for your understanding in this matter and please accept our apologies for the inconvenience.

$9.60 of the loan was unpaid at the time of the default.

-Kerry-
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"Our daughters can contribute just as much to society as our sons, and our common prosperity will be advanced by allowing all humanity - men and women - to reach their full potential. I do not believe that women must make the same choices as men in order to be equal, and I respect those women who choose to live their lives in traditional roles. But it should be their choice. That is why the United States will partner with any Muslim-majority country to support expanded literacy for girls, and to help young women pursue employment through micro-financing that helps people live their dreams." - President Barack Obama, June 4, 2009
Henry
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hmmm, that smells like metal

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« Reply To This #1509 on: August 15, 2011, 08:29:23 AM »

Just Deposited May and June IGive Funds into KSC3:
$29.30 + $50.79 for a total of $80.09
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ornitzi bilatzi monteisizi
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