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Luis Leonardo and his family live in Jaramijo, a fishermen's cove very popular with tourists.
Luis works hard every day doing honest work. Four years ago, he started his business as a fishmonger, selling door-to-door by the pound. He wants to keep improving his business so as to keep earning the money he needs to support his family. This is why he asks for a new loan.
He will use the loan to buy fish to sell.
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Translated from Spanish. View original language description.
Luis Leonardo y su familia viven en el cantón de Jaramijo que es conocido como caleta de pescadores, donde los turistas tienen diversos lugares para visitar. Luis es un hombre que se esfuerza diariamente por obtener sus ingresos honradamente es por eso que hace 4 años emprendió con su negocio de compra y venta de pescado por libra de manera ambulante, ya que su idea de negocio nace por la necesidad de generar ingresos que le ayudará a solventar con los gastos de su hogar, es por eso que ahora está solicitando un nuevo crédito para continuar mejorando su negocio. Este crédito lo invertirá para la compra de pescados.
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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