Adding to basket
Alessandra, second to the last in the photo, has been running her own business for more than ten years. She plans to expand to have more stores and sell throughout Brazil.
She is asking for this loan so she can buy lingerie, camisoles and bikinis.
The group is grateful to the investors for the opportunity.
In this group: Alessandra, Andreia, Vanessa, Monique
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Translated from Portuguese by Kiva volunteer Marcia Margolis. View original language description.
A Alessandra, penúltima da foto, administra seu próprio negócio a mais de dez anos, pretende expandir para mais lojas e vendas para todo Brasil, ela está solicitando esse crédito para investir em lingerie, camisolas e biquinis.
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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