Kiva

Potential Recipient URL: http://www.kiva.org/lend/351054 Name: Delia Andrea Country: Ecuador Type of Loan: Food
 * KIVA**

1) Risk

Borrower (Credit history/Personal character): She describes herself as a very cheerful person who enjoys her work and is very supportive of others.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: 3.5/5 Stars Delinquency Rate: 0.00% Default Rate: 0.00%

Country Risk (Economic, Political, Natural Disaster) The Ecuador economy is moving along nicely. Between exports (including tourism) and infusions of cash from expats moving here, the country has recovered from the recession. Unemployment is relatively low. Perhaps more importantly, confidence is high among Ecuadorians that the country will continue to do well over the coming years.

2) Business Plan - [|Small Business Start Ups]

Potential for success: The business is already a success, Delia just wishes to expand her stand so she can provide for her children. Potential for sustainability: She has already had this food stand for three years, she just wishes to buy her own stove. Potential for regional economic benefit: Others can eat her food, and she can provide for her children and other families. 3) Borrower

Perceived level of need: Delia has four children to care for. She wishes to send them through school. Financial responsibilities/commitments of individual: Delia already runs her stand. She says that she enjoys her work. 4) Summary Her dream is to have a locale of her own to increase clientele and sell more because she needs to earn higher income because it’s currently not enough to support her children. She wants to buy an industrial stove, and other food items for her stand with the money.

Potential Recipient URL: http://www.kiva.org/lend/349778 Name: Jacob Njoroge Country: Kenya Type of Loan: Construction

1) Risk

Borrower (Credit history/Personal character): Jacob used his second loan to employ another person and increased production and also met the demands at his work site. He repaid the loan well and in good time. This being his third loan, Jacob plans to buy another small land quarry. He is 32 years old, married to Hannah Wambui and they have two children.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: 3.5/5 Stars Delinquency Rate: 2.78% Default Rate: 0.00% Country Risk (Economic, Political, Natural Disaster) Kenya’s economy, one of Africa’s most developed, has gradually emerged from political instability and the economic slowdown. 2) Business Plan - [|Small Business Start Ups]

Potential for success: His business is already a success. He now needs to reach customer demand. Potential for sustainability: He already has many customers. Potential for regional economic benefit: This will provide jobs for other families in need. You are helping many people. 3) Borrower

Perceived level of need: He has a wife and two children. Financial responsibilities/commitments of individual: He wishes to expand his growing business.

4) Summary Jacob needs more land. He is dependable because he has already paid off his other loans in good time.