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Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more.
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Select a borrower who you connect with and help fund a loan with as little as $25.
Get repaid
Receive updates on your loans and see the dollars return to your Kiva account.
Repeat!
Use the repayment to support another borrower, or withdraw your money.
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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.
Gabriel is 45 years old and he lives with his family in the Cahuasqui parish of the Urcuqui canton, in the Imbabura province of northern Ecuador.
Gabriel earns a living preparing natural remedies, cures and organic fertilisers for the parish. He also works as a day labourer on local land; all of which enable him to generate an income to contribute financially to his home.
Gabriel is requesting a loan to buy fertilisers, sweet grenadilla (Passiflora) plants, poles and wire, to prepare the soil and to pay for labour to start off his crop and keep it in optimal conditions to obtain a quality product to sell for a good price at market and to generate a decent profit.
Gabriel is very grateful to Kiva for the help to continue with his business idea.
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Translated from Spanish by Kiva volunteer Vicki Crook. View original language description.
Gabriel tiene 45 años de edad, vive junto a su familia en la parroquia de Cahuasqui del cantón Urcuqui de la provincia de Imbabura al norte del Ecuador. Gabriel se dedica a la elaboración de remedios naturales, curaciones y abonos organices en toda la parroquia, además trabaja como jornalero en los terrenos de la localidad; actividades que le ha permitido generar ingresos para aportar económicamente en su hogar. Gabriel solicita un préstamo para la comprar abonos, planta de granadilla, postes, alambre, preparación del suelo y mano de obra para iniciar con el cultivo y cuidarlo en optimas condiciones para obtener un producto de calidad y venderlo a un buen precio en el mercado y generar un buen margen de ganancia. Gabriel estaría muy agradecido con kiva por la ayudan que le brindan ya que continuara con su idea de negocio.
CACMU is a savings and loan cooperative founded in 2001 in Ecuador with the goal of providing financial and non-financial services to underserved women and their families. CACMU provides a package of services throughout the business cycle, including health coverage, technical assistance and training services for environmental conservation.
CACMU reaches very rural borrowers due to the creation of a mobile branch, which allows them to access remote areas where it would be too costly to open a branch.
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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