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Antonio is a young father who lives with his family north of the City of Monterrey. His young son has misaligned teeth, and he is teased about this by other children at school. His son needs orthodontic treatment. Antonio is requesting a loan so that his son can start this treatment and have good dental health in the future.
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Translated from Spanish by Kiva volunteer Lisa Grobar. View original language description.
Antonio es un joven padre de familia, junto con su familia vive al norte de la ciudad de Monterrey. Su pequeño hijo sufre desalineacón en sus piezas dentales por lo que es blanco de burlas entre sus compañeros de escuela. Necesita un tratamiento de ortodoncia por lo que Antonio solicito un crédito para que pueda iniciarlo y en el futuro tenga una buena salud dental.
Alivio Capital is a Mexican for-profit organization that provides accessible financing for low-income families trying to cover medical expenses. Low-income families are often forced to sell family assets or resort to informal lenders in order to pay for unexpected medical bills. By providing these families with accessible financing, Alivio enables patients to pay, over time, all of their hospital bills and doctor?s fees, as well as to buy any medical equipment needed for their recovery.
Kiva loans will be issued to cover non-emergency operations, and assist these families with hospital bills, doctor?s fees, and the cost of medical equipment.
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.
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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