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Elia is a 38 year old married woman who has been a businesswoman for four years.
Elia is applying for a loan on behalf of her husband. He urgently needs optical treatment. At the moment he does not have enough money to pay for the treatment so Elia wants to help him, so that he can enjoy a better quality of life.
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Translated from Spanish by Kiva volunteer Pamela Allyn. View original language description.
ELIA ES UNA PERSONA DE 38 AÑOS DE EDAD, ES CASADA Y TRABAJA COMO COMERCIANTE DESDE HACE 4 AÑOS, ELIA ESTA SOLICITANDO UN CRÉDITO FINANCIERO, PARA SU ESPOSO QUE NECESITA REALIZARSE UN TRATAMIENTO OCULAR DE URGENCIA, COMO POR EL MOMENTO NO CUENTA CON EL DINERO SUFICIENTE ES POR ESO ES QUE ELIA LO QUIERE APOYAR, PARA QUE TENGA UNA MEJOR CALIDAD DE VIDA.
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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