Adding to basket
Rosaldir, in the pink T-shirt, is married and is a mother of five children.
For over seven years, she has operated her own stand selling vegetables and fruit. Her business is essential to provide for her household.
She is applying for this loan to invest in the frame of her stand.
The group is grateful to the lenders for this opportunity.
In this group: Rosaldir, Igor, Elias, Regiane
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Translated from Portuguese by Kiva volunteer Amy Volz. View original language description.
A Rosaldir, camiseta rosa, é casado e mãe de cinco filhos.
Há mais de sete anos, ela trabalha administrando sua própria tenda de vegetais e frutas, seu empreendimento é essencial para o sustento de sua casa.
Está solicitando esse crédito par investir na estrutura de sua tenda.
O grupo agradece aos investidores pela oportunidade.
Banco do Povo is a microfinance organization operating out of S�o Paulo offering microfinance loans to populations with little or no access to financial services.
Banco do Povo offers 3 different loans through their microlending program, on both group and individual levels. Additionally, they seek to expand microfinance in Brazil by assisting communities and organizations interested in starting or growing microlending programs.
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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