Adding to basket
Ivania is a teacher. She has now identified a need to improve the hygienic conditions of her bathroom, so she is seeking a Kiva loan with MiCrédito to buy ceramic, cement, sand, a sink, and pipes. She will use these materials to finish her bathroom renovation. In the future she also plans to improve the front part of her home.
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Translated from Spanish by Kiva volunteer Alexandrea Moseley. View original language description.
Ella es Ivania, una mujer de profesión Docente. Actualmente, Ivania ha identificado la necesidad de mejorar las condiciones higiénicas de su baño, por lo que está solicitando un crédito Kiva a MiCrédito para la compra de cerámica, cemento, arena, un lavamanos y codos, con estos materiales podrá llevar a cabo la renovación de su baño. En el futuro, Ivania también planea arreglar la parte frontal de su casa.
This water and sanitation loan is part of Micrédito’s effort to improve the living standards of communities in Nicaragua. Today many Nicaraguan homes do not have access to safe water or sanitation facilities. With few hygienic alternatives available to them, families often face water pollution resulting in respiratory, gastrointestinal or skin diseases as well as river pollution due to illegal sewage piping.
By partnering with Kiva, Micredito will offer clients a water and sanitation loan, helping them access key resources to build latrines, septic tanks and sinks. By funding this loan, you are playing an important role in helping Nicarguan communities to protect themselves from diseases, improving and strengthening their emotional and physical living conditions.
MiCredito operates in both Nicaragua and Costa Rica.
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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