Kiva loans to Julia in 2014

Back from my trip to the home country for the holidays.
Had some Kiva.org credit to use up.

Made a few loans to Julias.

Loaning to a Julia while travelling.

I'm traveling and found a town with free wireless.  Made a kiva loan to a Julia in Kenya.

ulia is 25 years old and has a grocery business in Kangundo town. She has been running it for five years now and it has been profitable. She is married and together with her spouse has been blessed with three children. She plans to use this loan to buy more stock of vegetables, carrots, onions, tomatoes, bananas, and oranges for sale. She will use the anticipated profits to pay school fees for her children. This is her fourth loan term and she paid back her previous loans successfully. In the future Julia hopes to expand her business and open another grocery store and also educate her children.

Julia in Bolivia

Made a kiva loan to a Julia in Bolivia today.

kiva loans to julia's

Made 3 kiva loans today to Julia's.

Kiva loan to Julia in Colombia

Julia, at 67 years of age, has her own business, a stall where she sells meals and fried food. Her stall is located besides a very busy highway in the Córdoba region. She has had this business for 10 years and works Monday to Saturday, from 6 a.m. till 2 p.m. She has one other person to help her. In this way she generates sufficient income to support her household and to help her three grown children financially since this burden fell on her after her husband died.

This client states that her age does not prevent her from continuing to work since she enjoys what she is doing and feels useful. Currently she is requesting a loan in order to purchase chairs and tables as well as supplies wholesale (meat, oil, vegetables and soft drinks, among other items) and to make some improvements in the space where she is located.This will enable her to improve her business’ image and provide her diners with a more comfortable experience. In addition she will have supplies available to expand production and sales. All this will be reflected in an increase in earnings. Thus she will be able to continue supporting her family.

Kiva loan to a Julia for Nursing School

New Kiva loan to a Julia

Julia is studying a degree in nursing. She would like to be able to complete her studies in order to help her family with the income she will earn. She is a dedicated and exemplary person. She says that she helps in the family business while also studying, because she wants to be a successful professional and helpful to others. She requests this loan in order to be able to invest it in her degree fees, to be able to continue studying and to strive for her future goal.

kiva loan to a Julia in Colombia

A loan of $525 helps Julia Pilar to buy stock in bulk (cakes, fizzy drinks, biscuits, sweets, coffee and so on) and to make a few small changes .Julia lives in Colombia.
www.kiva.org loan.

kiva loan to a julia in El Salvadore.

Julia lives in her own house. Her husband and children live in the United States. She has sold tortillas for the past few years. She is a friendly, responsible, honest person who is dedicated to her work. She has a good income and there is much demand for her product because of it's quality and cleanliness. Thanks to her efforts she has managed to pay some of her expenses. 

Julia is requesting a loan to buy corn by the quintal, lime and utensils she uses in the elaboration of her tortillas. She hopes that through this she will be able to create more income, fulfill the demand she now has and improve her quality of life.

So many kiva loans!

Made a lot of loans to julia on kiva today.7 in total; 2 from El Salvador, 2 from Nicaragua, 2 from Equador, and one from Colombia.

Pictured is Ana Julia from El Salvador. She wants money for cooking supplies. Love her apron.

love lending to Julia's.

kiva loan to Ana Julia

Made a Kiva.org loan to Ana Julia in Nicaragua today.  

Ana, 55, is from the city of Boaco. She is married with one son and she works as a merchant. She started out by selling dairy products. At the age of 25, she decided to start selling vegetables and shoes, which has been very profitable. She supports her family with this business.
Her goals are to improve her property and stock her business to sell wholesale products to her clients. She has applied for a loan to buy carrots, tomatoes, onions, cabbage, potatoes, and boots for the new season. Her plan for the future is to improve the infrastructure of her business. Her next objective is to buy dairy cattle. This loan will help her because she will make an investment. With her earnings, she hopes to open another business.

Using Kiva as Emergency Savings

 I made 2 loans to Julia's today - Made a loan to a Julia in Nicaragua for  construction materials such as cement blocks, zinc and cement. And also to a Julia in Peru for her taxi business.

I am going to build up my kiva portfolio so that I can use it for my '6 month- emergency' income. The savings one should have in case one loses ones job.  Having it in savings is a little silly since interest rates are so low. So I am going to try to build up my kiva and www.prosper.com accounts so that they are bringing in enough each month to cover my expenses.  That way if I don't need it 'cause I don't have a big emergency, it grows and helps people.

Kiva loan to Julia in Peru to buy a cow.

Made a kiva loan to Julia in Peru to buy a cow.

Kiva loan to a Julia to buy Seeds and Fertilizers

Made a loan to a Julia in Ecuador.

Julia is a 22-year old woman who lives with her partner and their son in the cantón Ventanas in the province of Los Ríos. The communal bank "Luchando Juntos" is located in the Recinto New Zapotal belonging to Ventanas cantón. The majority of its members work in retail. Julia works in agriculture and cultivates corn and beans. 

She is requesting a loan to buy seeds and fertilizers, and to ultimately benefit her family. Her dream is to expand her crops and to obtain more revenue.

Kiva loan

Julia is 36 years old and she is married. She has two children. She has a kiosk to generate income for her family. She has been thinking about how to run a big business but she does not have enough working capital. She felt better when she applied for her first loan and now she is applying for her second loan of $1,000. She will buy some additional supplies to keep in her store such as cigarettes, noodles, bread, water, eggs and hard and soft drinks.

Made a Kiva.ore loan today to her. 

Made another kiva loan to an Ana Julia. This one is also in El Salvador.

Ana is 61 years old, a very responsible woman with regard to her home, and she has always been characterized as providing the best for her family. Today she lives with her husband and two children, she is very hard-working, and always works happily and with enthusiasm. She grows basic grain crops every year typical to her area such as corn and beans. Ana wishes to increase her sales and therefore she visited the INTEGRAL offices to seek a loan which will enable her to buy seeds, manure, fertilizers, pesticides, and other supplies. She wishes to rely on the solicited loan as she doesn't have other monetary income, and in this way she will be able to continue providing for her family without difficulty.

Kiva loan to an Ana Julia

Made another kiva.org loan to a Julia, an Ana Julia

Ana Julia is 48 years old and lives in her own house with her husband and her daughter. She has a business selling underwear in the market that is near her place of residence. With the earnings that she receives, she is able to cover some household expenses. 

Ana is applying for a loan to be able to able to buy underwear for ladies and gentlemen wholesale so that she can stock her business and increase her earnings in order to give her family more economic stability.

Kiva loan to a Julia in Colombia - Cheese making

Made a loan to 

Carmen Julia

Santa Fe de Antioquia, Colombia Food | Cheese Making

Carmen, 64, is married and mother of three children. Since a very young age she’s worked selling milk, cheese and ‘quesito’ [Colombian soft cheese] that she makes herself. She learned this activity from her mother since they lived on a dairy farm. In this way, Carmen has earned income sufficient to provide daily sustenance at home and to move her children forward.

Carmen’s a very hardworking woman who spends many hours a day manufacturing her products to then sell and earn income. She’s currently asking for the loan to do some site improvements to the space she works in, to buy a stainless steel table and a refrigerator to store the products she makes prior to selling them. This is how Carmen seeks opportunities day to day to reach her main dream of making home improvements to have better quality of life and a tranquil old-age.

Kiva loans to Julia

Made 3 kiva loans today to Julia's. 2 in Nicaragua, 1 in Peru.

Kiva loan to a Julia

Made a Kiva.org loan to a Julia in Nicaragua today.

Julia Petrona is married with two children, both of whom are under 18 years old and still under Julia's charge. Julia is originally from a town in the Chinandega area, which is known for its businesses and where one of the country's best known talent exists. Julia makes a living buying general merchandise, such as a variety of new clothes, shoes, make-up and others. She buys in cash and in bulk in various markets. She sells her products for cash or on credit both to regular customers and passers-by. She is a street vendor and, on some occasions, she sells her products from her home. Julia started her business in order to cover some household costs. She has fought to get her children ahead and to provide them with a better future. One of her dreams is to improve her home and give her children a decent place to live. This loan will be used to invest in working capital and to stock-up her business buying and selling merchandise, such as make-up, clothing items for adults and children, and more. Julia is very grateful to Kiva lenders for their support to people of low financial resources.

kiva loans to Julia's

Receipt

• 

  Loan
  Gaby Julia
  $25.00
• 

  Loan
  Ana Julia
  $25.00
• 

  Loan
  Maria Julia
  $25.00
• 

  Loan
  Ana Julia Moya Ramirez
  $25.00
• 

  Loan
  María Julia
  $25.00
• 

  Loan
  Julia
  $25.00
• 

  Loan
  Julia
  $25.00
• 

  Loan
  Julia Huamani Llacsa
  $25.00
• 

  Loan
  Ana Julia Fino Mendoza
  $25.00
• 

  Loan
  Julia Cruz Reyes Rodriguez
  $25.00
• 

  Loan
  Julia Esperanza
  $25.00
• 

  Loan
  Julia
  $25.00
• 

  Loan
  Marta Julia