Friday, November 10, 2017

Kiva

Kiva loan to Mpundu
Mpundu is 29 years old and living with her husband in Samfya District, Zambia. She runs a salon, which sells hair products such as creams and cosmetics, and provides plaiting as a service. 

She used her first Kiva loan to diversify the range of her hair products she offered to customers to increase demand. With the profits, she was able to send her siblings to school. 

She is now requesting a second loan to continue to purchase a variety of hair products and make other investments in the business so that she can build her own salon to cut down on rent and employ more community members. 

Saturday, November 04, 2017

kiva and update on loan categories

Made a Kiva loan from a new microlender.  I am currently missing 7 countries, 3 activities and a whole lot of microlenders.

Vivian
Honiara, Solomon Islands 
A loan helps to buy rice, noodles, canned foods, biscuits, sugar, and tea for her general store business.

Friday, November 03, 2017

Kiva loan to Julia

Meet Julia, who is a first-time Kiva borrower and who is excited about this new experience. Julia is a humble, honest, and very hardworking mother. She has a lovely family whom she really adores. Thanks to her perseverance and courage, Julia and her household can lead a respectable life. She never had the opportunity to advance her education, but this did not kill her dream of wanting to succeed in life. So Julia started farming and has been doing farming for the past six years. Throughout those years, she has gathered much experience, and all the farming techniques are at her fingertips.

Julia practices mixed farming, and with her profits she has managed to take care of her family's needs, and give her children a good education. She believes that education is the only key to success.

She is seeking a loan of 50,000 KES to buy seeds and start horticultural farming on her farm. Julia wants to take advantage of favorable weather patterns, a good road network in her village, good soil, and a ready market for horticultural products in order to reap more profits. Julia hopes that through this loan, she will improve her living conditions. 

Help this mother to accomplish all her dreams with just a loan!

Thursday, November 02, 2017

Food and Kindness on Skid Row

Heading down to Skid Row to feed and offer kind words to people who didn't make it into a shelter tonight.  I do this with a group called Monday Night Missions. It's not religious, not official. We bring our own food (we meet and make peanut butter and jelly sandwiches), fruit water. And kind words.

Friday, October 27, 2017

Kiva in Kenya

Meet Esther, a 31-year-old from Maili Saba. She is a widow and lives with her five children, all of whom are still in school.

Esther runs a grocery kiosk that supports her family. Her business has grown steadily since she began it despite challenges during rainy seasons. Esther has applied for the loan to build better grocery stall, as she currently sells her shop merchandise under a tree. 

Esther is happy about the Lewa Wildlife Conservancy training support which has actually been source of her motivation. In the future, she sees herself as having a mega stall and with improved living standards for her children. 

Esther appreciates you reviewing her Kiva loan request and hopes for your support.

Tuesday, October 24, 2017

Kiva loan for gas cylinders

Petra's story

Petra is a married woman with three children, all of whom attend school. She lives in her own house that has electricity but no piped water. Her greatest monthly expense is food for the family.

She has been operating a gas cylinders business for more than three years . She mentioned seasonality and transportation in her business. With the loan she wants to purchase stock of gas cylinders to resell. She decided to join Yehu to access loans and boost her business.

Saturday, October 21, 2017

kiva loan to build space for entrepreneurs

Large KIVA loan - $35,000.
mpact Hub Accra is a locally owned and internationally connected entrepreneurship development and innovation center that supports small businesses, creates new jobs and opportunities, and promotes solutions to relevant socio-environmental challenges in Ghana, through entrepreneurship.

Impact Hub Accra was created in 2013 and supports over 250-member entrepreneurs and small businesses in Ghana. It is part of the Global Impact Hub Network of entrepreneurship and innovation centers, communities, and services present in more than 100 cities and 50 countries. Support to entrepreneurs is three-fold: (1) Workspace and infrastructure; (2) Curated events; (3) Business incubation/acceleration and access to capital training and support.

One member of Impact Hub Accra is Randy Caiquo, who founded web platform Crowdfrica after witnessing the death of his brother, simply because his family couldn't afford the hospital fees. Crowdfrica.org enables anyone around the world to donate directly to fund health insurance or healthcare for people in need. In 2016 Crowdfrica joined MEDspace, an early-stage incubator at Impact Hub Accra. So far Crowdfrica has funded life-changing healthcare for over 260 people. 

Impact Hub Accra now wants to bring its impact to the next level by implementing a new solar power system for stable backup electricity as well as invest in workspace improvements (ergonomic furniture and ventilation) to enable productivity gains for Ghanaian entrepreneurs.

This loan is special because:

It finances the creation of spaces and resources to support entrepreneurs.

Friday, October 20, 2017

Loan to change lives

Smallholder coffee farmers in Uganda do not have access to the equipment or finance add value to their coffee beans. They are forced to sell unprocessed coffee to middlemen at less than 5% of the retail value. Over 10 million smallholder coffee farmers are in a cycle of poverty from one generation to another.

Solution:
NUCAFE, the National Union of Coffee agribusinesses and Farm Enterprises, is a coffee farmers’ organization founded in 1995. NUCAFE uses a "farmer ownership model" whereby ownership of the coffee remains with the farmers while adding as much value as possible to the coffee. NUCAFE owns processing facilities (for cleaning, drying, grading, roasting, grinding and packaging services), which are used by its members to add value to their coffee. 

There are currently around 198 member associations working with NUCAFE, impacting more than 27,000 farmers. NUCAFE also helps farmer associations sell their produce by marketing their coffee to potential buyers. Members pay a service fee to NUCAFE for using their processing facility and marketing their coffee. Before partnering with NUCAFE a small farmer in Masaka Uganda sold 60kg bags of unprocessed coffee at UGX1,000 (USD0.40 per kg). He now sells 40kg bags of processed coffee at UGX4,350 (USD1.73 per kg). Learn more about NUCAFE in this video.

Loan use:
The loan will be used by NUCAFE to advance funds against the inventory brought in by the members associations for processing. NUCAFE will advance 60 to 70 per cent of the inventory value while the coffee is processed and sold. .

Thursday, October 19, 2017

Kiva loan to Ghana

This loan will be used to purchase more shea nuts from pickers and employ more women full time in their facilities. Also, the loan will help NaaSakle International manufacture more shea butter products. This is NaaSakle's story in the founders words:
Back in 2000, my mother returned to our native Ghana to take care of her ailing mother (Grandma Sunshine). While there, she rediscovered her love of shea butter, a product known as Women’s Gold because of its usefulness to a woman’s household – 90% of the use of shea is in foods, but it also serves as a wonderfully soothing moisturizer and helps financially support millions of women across sub-Saharan Africa.
During Mom’s time in Ghana, she realized that the base of the shea pyramid, the women who often did back breaking work to support their families through the sale of shea butter, seldom received the fair value of their work. Traders would enter town, buy low and sell high on the global market (to which the women had no access), and leave these pickers and processors in the lurch.
She decided to step in and help strengthen existing cooperatives as well as build new coops in order to strengthen their networks. She started Mother Shea Limited which manufactures shea butter from shea nuts.
Throughout her time in the industry, she became a shea leader. The high quality shea nuts are picked by women in rural areas and they are converted into shea butter in-house. We’re using her past experience as the President of the Global Shea Alliance to provide consumers with the best shea around. With the help of thousands of sustainably paid and organically trained pickers, she brought attention and support to a pressured industry.
When my mom was diagnosed with cancer, I decided life was too short to not spend our days together, so I joined her team in 2015. I started NaaSakle International, which is a distributor of shea based products in the US. We aim at bridging the gap between these rural shea nut pickers and global demand through our business lines thereby providing sustainable wages and organic training to pickers in northern Ghana.
Learn more about NaaSakle's journey through her blog. Kindly note Eu’Genia Shea is a group company and part of the NaaSakle Group

Tuesday, October 17, 2017

kiva

This DloHaiti’s second loan on Kiva after successfully paying back in full a USD50k loan.

Problem
Over 50% of Haitian lack access to clean water and nutritious options. With cholera prevalent and health care inaccessible for many, water-borne diseases are a major cause of death in the country. See DloHaiti video


Solution & Impact
DloHaiti addresses this gap using solar-powered, community-scale water treatment facilities that are managed and operated by members of the community. Despite being 1/3 the price of market alternatives, all costs of water production are covered by the sales.

DloHaiti works with local retailers (lead picture) and distributors to ensure that convenient and affordable access to clean water and powdered milk is reaching more people. By coupling the milk with clean water, DloHaiti can improve nutrition at low cost through its distribution network. Its impactful because milk is not available or affordable to poor consumers. This ensures that the operation is economically sustainable and that the community-based entrepreneurs have strong incentives to continue providing clean water and powder milk. To-date DloHaiti has impacted the lives of 40,000 Haitians.

Loan Use
This loan will expand the water distribution by financing upfront costs like reusable jugs and also providing powdered milk. USD40k will be used to expand access to clean water and USD60k will be used to purchase the powdered milk to meet demand.

This loan is special because:

It expands distribution of clean water in regions across Haiti that would otherwise be unable to access it