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Mrs Aubine, 33, is a teacher.
She has applied for a loan to buy a solar kit and a TV. She has just been assigned to the bush for her work. However, she needs to stay informed.
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Translated from French by Kiva volunteer Katell Maguet. View original language description.
Mme Aubine, 33 ans, elle est enseignante. Elle a fait une demande de prêt pour acheter un kit solaire avec télévision car elle est vient d'être affecter dans la brousse à cause de son travail. Pourtant elle a besoin d'être informée.
By supporting this loan, you're increasing access to clean energy products in Madagascar. This loan allows rural people to purchase affordable and durable solar home systems to bring light and access to information through television. Households will be able to reduce their carbon footprints, lower their energy costs, increase children's study time and build a credit history.
Baobab+ Madagascar is a social enterprise that sells innovative energy, clean water and technology products priced and marketed to meet the needs of under-served people in Madagascar. To better reflect the pay-as-you-go (PAYG) model, in which users pay the system at the rate in which they use the system, Baobab+ Madagascar loans are structured with a bullet repayment on Kiva. However, all payments made by the user throughout the loan term will still be reported to Kiva at the time that they are received by Baobab+ Madagascar.
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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