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Lisseth is a 24 year old, entrepreneurial woman who fights for her dreams. She earns a living from the small grocery store that she runs with the help of her mother.
This is Lisseth's fourth loan cycle applying for a loan with ADIM. This money will be used to invest in the purchase of staple grains and cosmetics.
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Translated from Spanish. View original language description.
La señora lisseth de 24 años de edad es una mujer emprendedora quien lucha por sus sueños, se gana la vida mediante su negocio de pulperia con la ayuda de su mama, este es su cuarto ciclo solicitando prestamos con ADIM, este dinero lo utilizara para invertir en la compra de granos básicos y cosméticos.
Nicaragua is experiencing a political crisis. Protests have resulted in the loss of life and a partial economic paralyzation of the country. Kiva is committed to supporting our field partners and borrowers during this difficult time. However, should you chose to lend to a borrower in Nicaragua, please be aware that the political unrest poses extra risk for both borrowers and Kiva field partners. Delinquency rates could increase while the crisis is ongoing.
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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