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Mariluz is an honest and hardworking woman. She is requesting a loan from Kiva and Aldea Global to plant 5.1 acres of beans and 3.4 acres of corn. She will buy seeds, manure and fertilizers.
She and her husband work in farming on a small scale, and in cattle ranching. They have over 8 years of experience cultivating staple grains.
These activities have helped them to get their family ahead.
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Translated from Spanish by Kiva volunteer Marila Arana. View original language description.
Mariluz es una mujer honesta y trabajadora. Solicita un préstamo con Kiva junto a Aldea Global para sembrar tres manzanas de frijoles y dos manzanas de maíz. Invertirá en semillas, abonos y fertilizantes. Ella y su esposo se dedican a la agricultura en pequeña escala así como a la producción ganadera; ya llevan más de ocho años de experiencia en el cultivo de granos básicos.
Dedicarse a estas actividades le ha ayudado a sacar a delante a su familia.
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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