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Videlmo is 42 years old and lives with his wife and young children in the village of La Laguna, San José del Alto, Jaén. He has been cultivating organic coffee for 20 years and sells his output through the Centrocafe cooperative.
Videlmo has been a member of Norandino for 10 years. He will use this loan to buy organic composts and to pay workers to remove weeds from his coffee farm.
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Translated from Spanish by Kiva volunteer Ronan Reodica. View original language description.
Videlmo, de 42 años, vive con su esposa e hijos menores en el Caserío La Laguna, San José del alto, Jaén, lugar en donde se dedica desde hace 20 años al cultivo de café orgánico el cual lo comercializa a través de su Cooperativa Cenfrocafe. Videlmo es socio en Norandino desde hace 10 años y usará este préstamo para comprar abonos orgánicos y pagar jornales de deshierbo del cafetal.
COOPAC Norandino is a rural savings and credit cooperative that supports Fairtrade, certified organic farmers who have limited financial resources and market access. Loans funded on Kiva help COOPAC Norandino to continue growing its organic coffee and cacao portfolio and to fund a new loan product for members to develop rural microenterprises to smooth and diversify producer household income.
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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