Adding to basket
Thérèse is 58 years old and is the mother of six children. She sells food goods in the market in her community to support her partner with the day-to-day expenses. She is requesting a loan to increase her stock of food products.
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Translated from French by Kiva volunteer leonardo. View original language description.
Thérèse est âgée de 58 ans, elle est mère de six enfants. Elle revend des produits alimentaires au marché de sa commune pour soutenir son compagnon dans les dépenses quotidiennes. Elle demande un prêt pour augmenter son stock de produits alimentaires.
Palmis Mikwofinans Sosyal, S.A. provides financial and social services to low-income urban entrepreneurs in Haiti through various types of loans. Haiti is the poorest country in the Americas and is also a challenging environment to operate in because of the high rate of natural disasters, including the devastating 2010 earthquake.
By offering a range of loans, Palmis Mikwofinans Sosyal, S.A. allows borrowers to graduate to larger loan sizes while they continuously benefit from a comprehensive package of non-financial, social services.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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