Kiva
Seit 2004 ermöglicht Kiva.org einer breiten Öffentlichkeit, Kleinunternehmer in Entwicklungsländern mit Mikrokrediten über das Internet zu unterstützen. Menschen auf der ganzen Welt können so mit kleinen Beträgen - schon ab 25 US-Dollar - anderen Menschen in Armut helfen, eine Existenzgrundlage aufzubauen.
Source De Guihon Plus Group : The Democratic Republic of the Congo
$2,025 of $4,150 raised.
Started raising funds on Feb 5, 2012
Alfred is the leader of the community bank named “Source de Guihon Plus,” which is composed of 11 members united in solidarity for receiving Kiva loans with the goal of developing their businesses.
Alfred is 56 years old, married and the father of five children whose ages vary between 10 and 20 years old. Three of them go to school. His main business is to offer people a way to carry their burdens or luggage via rickshaws for a fee.
He has been part of the micro-enterprise world since 1982 doing the same activity. He has acquired solid experience in this area and works hard with good management skills in order to realize his dream of one day opening another unit of production in his environment. He would also like to achieve financial independence through his business that earns him $60 per week.
Alfred is a trustworthy client of the MFI HOPE RDC, having 14 times obtained and correctly repaid loans. He will buy two more rickshaws with his next loan in order to generate additional profits.
$925 of $2,225 raised.
Started raising funds on Feb 5, 2012
Mrs. Ganchimeg, 41, sells dairy products in the bazaar. She has been involved in her business for 5 years and already has had many customers. She lives with her family in the slum district of Ulaanbaatar, the capital city of Mongolia. Ganchimeg always purchases her products such as milk and yogurt from her permanent suppliers, who are herders in the Mongolian countryside.
Soon it will be Lunar Year, which is a Mongolian traditional respectful celebration, and demand of the dairy products will be increased notably during the holidays. Therefore, Ganchimeg wants to prepare her sales products for the celebration. It is a good time to increase her sales volume. The loan she is taking will be dedicated to purchasing the dairy products in a large amount for increasing her sales volume.
$550 of $1,600 raised.
Started raising funds on Jan 10, 2012
Mohammad is a 45-year-old Lebanese married man who is living with his wife and two school-aged children. He is the one taking care of his family and looking to enhance their way of living.
He has owned a pick-up truck since 2003. His job consists of transporting products upon customers' requests. Today, he’s in need to borrow $1,600 from Kiva partner Ameen s.a.l. to repair his pick-up in addition to painting. This will certainly facilitate his business operations and allow him to attract a wider range of customers.
In the future, he plans to buy a bigger pick-up and serve more people.
$800 of $1,450 raised.
Started raising funds on Feb 1, 2012
Shahnaz has applied for a loan from KIVA partner Asasah for her husband’s loading business. With the loan investment, he will buy a new donkey cart because his current cart has become rough and rotting. By purchasing a new donkey cart, he will be able to put heavy loads and improve his services.
Shahnaz is a sewing expert. She works for her community clients and sews beautiful looking clothes for a very reasonable rate.
She has given birth to 3 sons and 3 daughters. Her 2 older sons also have loading businesses while the others stay at home.
Shahnaz is hopeful that the loan will put her husband's business in a more profitable position and her family will be able to live a better life financially as a result.
$525 of $900 raised.
Started raising funds on Feb 7, 2012
Margarita is a member of the 'Arco Iris' (Rainbow) community bank. Her business is selling meat in open-air markets.
Thanks to the training that she has received, Margarita has learned to manage her business well. She has learned to save, and to be punctual and responsible. She is grateful for all the loans that she has been given because, thanks to them, she has had more capital available and been able to provide her children with a better education. She recalls that when her husband became seriously ill, Finca were the only ones to help her. She will never forget this. The training that she has received has helped her to value herself as a woman and she has learned to be happy with what she has. She will use the loan that she is requesting to buy meat.
$825 of $1,125 raised.
Started raising funds on Feb 6, 2012
Gumercinda is a member of the “Renacer” (To Be Reborn) communal bank. She is 60 years old, married and the mother of five children. She sells crafts.
She was invited to join Finca Perú by a girlfriend. She was a member of the “Alelí” (Violet) communal bank for four years but because of health issues had to drop out but then rejoined Renacer communal bank and has been in it for over three years.
She likes Finca Perú because it supports women who need it, she says. It also hands out low-interest loans with easy terms. She says that the there’s always new things in the training sessions and she likes them because they helped her improve her business and her family.
She will use the loan she’s requesting to invest in the business buying materials like wool to make sweaters.
Edolina Villaflores : Philippines
$350 of $600 raised.
Started raising funds on Feb 7, 2012
Edolina is 53 years old and a widow with one child. She is a very hardworking entrepreneur.
For the past fifteen years Edolina has had a tailoring and dressmaking shop in the Philippines. She has requested a 25,000 PHP loan through NWTF to buy more material for her business.
Edolina would like to save enough money to expand her business.
$900 of $1,425 raised.
Started raising funds on Feb 6, 2012
Rawan, a 24-year-old single lady, has six brothers and sisters.
One of Rawan's brothers is also a college student; because of that most of the family's effort is going towards her brother's education, so Rawan decided to apply for a loan in order to continue her studies and pay for her semester's fees.
After her graduation, Rawan hopes to get a job in the field so she can support herself and her family.
Elaka Na Nkolo Plus Group : The Democratic Republic of the Congo
$1,100 of $3,075 raised.
Started raising funds on Feb 6, 2012
Elaka na Nkolo Plus is a group of 19 owners of small businesses chaired by Muhingwira. Its members are jointly liable for loans granted by Kiva to grow their businesses.
Muhingwira is 53 years old and married. She is the mother of three children whose ages vary from 8 to 15 years old. All of them attend school.
Muhingwira operates a general store. She started her business in 1990. Her business has stabilized thanks to her hard work and the accumulated profits that she reinvested.
Currently, her business brings in a profit of $20 per week. Due to the high demand in her community, she intends with the next loan to buy more goods for resale in order to meet clients' demands and generate additional profit. This will help her to achieve her plans to grow the business.
$775 of $875 raised.
Started raising funds on Feb 6, 2012
Hong is a local rice farmer who has been working alongside her husband on the same rice field in Kompong Cham Province. This family earns a low income from rice husbandry, therefore Hong spends most of her time working in a parallel business growing a type of bean to generate additional income. After the rice season has passed, the bean season arrives. Recently, Hong started preparing to grow her bean crop, so she would like to borrow some funds from HKL and Kiva to pay for land rental and to buy pesticides and bean seeds. In the future, Hong hopes that she’ll be able to purchase a medium plantation for her crop-growing business.
Hector Fernando Suarez Valencia : Colombia
$450 of $550 raised.
Started raising funds on Feb 3, 2012
Héctor is well known in his region for being hardworking and dedicated to his wife. At 28 years old, Héctor has spent his entire life working in the fields, where he’s raised dairy cows, as well as doing other things. This is what he does now and it generates the income he needs to support his household.
He has dairy cows on the rented lands. He doesn’t have a storage tank to keep the milk, so he sells it to the land owner.
Héctor has been offered the opportunity to buy a calf at a very low price and he wants to buy it and not miss out on this chance. This will allow him to increase his production and his income; however he doesn’t have the necessary capital. He hopes that a loan will allow him to buy the calf and increase his production and income when he sells the milk.
He has a great dream of owning his own land where he can have a home and his cows.
He wants his wife to have a quality of life better than the one she has now, so he always works hard to increase his income and be able to provide for her well-being.
$200 of $725 raised.
Started raising funds on Feb 7, 2012
Khadra, a 61-year-old divorced woman, is living with her son in a rented house.
Although she is living with her son, she chose to do something so she can support herself and help in paying the rent with her son. Since she has prior experience in embroidery and knitting, Khadra decided to continue on that path, so she bought fabric and all the tools required to make embroidered traditional dresses that she now receives orders for. She also added making embroidered pillow covers and table covers too.
Now Khadra has applied for a loan so she can buy more material and increase her productivity.
$1,900 of $5,000 raised.
Started raising funds on Feb 6, 2012
Constance is 21 years old. She would like to be in college and do what people her age do, but she can’t because she did not have the money to pay college tuition. Constance has not given up hope of ever going to college. She has started a business as a mobile money transfer agent in her home city of Chingola in the Copperbelt Province of Zambia.
Constance’s biggest dream is to expand her business beyond her home town. She intends to be able to handle huge sums of money as this will enable her to have more profits. However, Constance faces the challenge of having little capital for her business. This means that she cannot conduct transfers that require large sums of money to be received or sent. When she gets the loan, she intends to increase her working capital so that she will be able to handle bigger transfers of money. When she has grown her business, Constance wants to go to college while continuing to run her business.
Constance is convinced that her business is helping her community because many do not know how to read and write and her money transfers do not require complicated paperwork. Also, she provides personalized services so her customers always get all the help they need. This, she believes, is the competitive edge that her business has that will help make enough profits to realize her dream of going to college
In this Video, Constance is being interviewed by a representative from Mobile Transactions.
Maura Cecilia Jiron Poveda : Nicaragua
$350 of $1,100 raised.
Started raising funds on Feb 6, 2012
In the municipality of Quezalguaque in León, Sra. Maura has worked as an elementary school teacher for 23 years. She has acquired a wealth of experience in this line of work and is very passionate about teaching children. Maura is married and has three children who she must provide the necessary conditions for their studies.
Doña Maura is experiencing some difficulty and is requesting a loan to assist her daughter with her professional education expenses. For this reason, she decided to approach CEPRODEL in order to request a loan to help her daughter fulfill her dreams. Like any good parent, Maura wants to provide the best for her children and support them academically. She feels the best way to achieve these benefits is through CEPRODEL.
Tubulwanyise Naluvule Group : Uganda
$2,875 of $3,125 raised.
Started raising funds on Feb 5, 2012
Notching up any semblance of success in any business undertaking calls for lots of unwavering commitment, purposefulness and needless to say, a sense of diligence.
Fifty-eight-year-old Dezi, a widowed mother of four, has exemplified many of the aforementioned virtues the last decade as she goes about her poultry sales business in Kampala. She also ekes out a side income from farming. She says she will use her loan money to purchase more poultry to sell.
$550 of $9,600 raised.
Started raising funds on Feb 5, 2012
Matt lives in Homewood, Alabama with his seven-year-old daughter and owns Roly Poly Sandwich Shop. Originally started in Atlanta, Roly Poly Sandwich Shop offers a nutritious lunch option with healthy sandwiches, soups, and salads. Matt has 10 years of managerial experience in twp different Roly Poly locations and in 2006 looked to move to the next level by purchasing a franchise in order to offer his daughter a better quality of life. He purchased a location in Hoover, Alabama with his coworker turned business partner, and has run the location successfully since 2006. In addition to the restaurant, they also offer various catering options.
In the future Matt hopes to expand his involvement in Roly Poly by franchising additional locations across Alabama. This current loan will be used to purchase new equipment (such as a frozen yogurt machine) and expand their marketing.
$1,475 of $2,625 raised.
Started raising funds on Dec 10, 2011
Rudik is 34 years old. He lives in the city of Ijevan with his wife and two small children: his 6-year-old son and 3-year-old daughter. His wife doesn’t work: she stays at home and takes care of the children.
In 2004 Rudik started his own business: selling spare parts for cars. In the beginning, he only brought spare parts from Georgia to fulfill his clients’ orders. Then Rudik rented a shop where he sells spare parts, while he continues to fulfill his clients’ special orders. He brings the parts from Georgia by himself, which allows him to sell his merchandise relatively cheaply, therefore, attracting more clients.
Rudik’s business allows him to support his family. He is requesting a 1,000,000 AMD loan to buy winter tire casings and different spare parts to resell.
$2,500 of $2,600 raised.
Started raising funds on Feb 1, 2012
Fiston is a member of the Abagwaneza group and lives in Bujumbura. He is 26 years old and married to Véronique, who sells fish (ndagala) and tomatoes. They have a two-year-old child together. Fiston works as a hairdresser and also repairs reels of movie projectors. This is his seventh loan with Turame. With the loan received from KIVA, he will increase his capital and set up a room for video projection. He will charge an entrance fee to anyone who comes to watch a movie. In the coming years, he would like to buy a plot of land and a car. He would also like to send his child to school.
$300 of $425 raised.
Started raising funds on Feb 6, 2012
Jonathan is 22 years old and single. He does not support anybody. He is in the poultry farming business, and he has been in this business for two years and earns a monthly income of KES. 17,000.
He is requesting a loan of Kshs 35,000 to buy more chicks and chick mash. The anticipated profit would help him venture into other businesses.
His hope and dream is to become the best supplier of chicks and chicken products within his location.
Victor Julio Cedeno Ayala : Ecuador
$250 of $1,000 raised.
Started raising funds on Feb 6, 2012
Victor Julio is 24 years old, married, and has one child. He lives with his wife and four-year-old son in the canton of Ventanas in Los Ríos Province.
Victor is a member of the October 27th Communal Bank, which is located in the neighborhood of Santa Sofía in the canton of Ventanas. This Communal Bank consists of short cycle farmers who grow corn, rice, and pigeon peas.
Victor is a farmer who grows corn. He buys and sells in Ventanas. His challenges include dealing with pests known as “langosta”, as well as with mice. Victor is requesting a loan to buy farming supplies, urea, compost, and liquid treatments for weeds. With the support of this loan, he will be able to improve his standard of living and his ability to work.
His dream is to buy a house. In his free time, Victor enjoys practicing sports.