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Select a borrower who you connect with and help fund a loan with as little as $25.
Get repaid
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Repeat!
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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.
Concepción is 66 years old and lives with his wife, 68 year-old Antonia. He has 4 children who are grown up and no longer live with him as they each have their own family.
This hard-working man's days are spent in the peace and tranquility of the fields of Tiambra village. At dawn every day, Concepción starts his daily routine, preparing his land with natural fertilizers, sowing the seeds that in the future will provide him with good-quality potatoes, peas and corn which he learned to grow when he was still young. Concepción didn't have the opportunity of knowing his parents but grew up with hard-working people who taught him how to work hard and get ahead in life.
Concepción likes to farm because this is the business through which he has managed to get his family ahead in life. It is also the business that most men who live in this part of Peru have learned. He considers the business to be very profitable because the quality of the potatoes, corn and peas that he sows allow him to sell them for a good profit. Concepción also raises guinea pigs of good breed which he sells in the local wholesale market. He likes this business because one of his daughters gave him a pair of guinea pigs as a present. He saw a good business opportunity and began to breed them. In the future, he plans to sow a greater quantity of potatoes and start a guinea pig farm.
Concepción is a member of the "Santa Rosa de Tiambra" community bank and this is the fourth loan that he has received from MFP. He is certain that he will be responsible in making each loan repayment. He is very happy with the work of his community bank because his fellow group members are trustworthy people. Concepción plans to invest his loan in buying natural fertilizers and organic manure. He would also like to buy some guinea pigs to start his farm project.
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Translated from Spanish by Kiva volunteer anonymized. View original language description.
Concepción tiene 66 años y vive con su esposa Antonia de 68 años, además tiene 4 hijos, que ya son mayores y no viven con él, cada uno tiene su propia familia. Los días de este trabajador hombre transcurren en la tranquilidad de los campos del caserío de Tiambra. En el amanecer de cada día; empieza su rutina de trabajo, preparando la tierra con fertilizantes naturales, sembrando las semillas que en el futuro brindarán una buena calidad de papa, arvejas y choclos, que él aprendió a cultivar desde pequeño, aunque no tuvo la oportunidad de conocer a sus padres se crió con personas trabajadoras que le enseñaron a luchar y salir adelante. Le gusta dedicarse a la agricultura porque es el oficio con el cual ha logrado sacar adelante a su familia y es lo que han aprendido a hacer la mayoría de hombres que viven por esta parte del Perú, además lo considera muy rentable porque la calidad de papa, choclo y arveja que siembra le permiten venderlas y obtener buenas ganancias. Asimismo cría cuyes de buena raza y los comercializa en el mercado mayorista de la localidad, le gusta esta actividad porque una de sus hijas le regalo un par de ejemplares y luego vio una buena oportunidad de hacer negocio y empezó reproducirlos. En el futuro tiene pensado sembrar más cantidad de papa, y llegar a tener una granja de cuyes. El pertenece al banco comunal “Santa rosa de Tiambra”, y este es el cuarto crédito que tiene con MFP, y esta seguro que será responsable con cada pago, además esta muy satisfecho con el trabajo de su banco comunal porque son personas de confianza. Ya tiene pensado invertir el crédito en fertilizantes naturales, abono orgánico, de igual manera desea comprar algunos cuyes para empezar el proyecto de su granja.
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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