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We are enabling women all across the globe to achieve their entrepreneurial dreams. Some of them are...
Glenda
Philippines
A loan to help buy additional boxes of fish to sell.
Glenda is 59 years old and married. She has three children.
She runs a fish vending business in the Philippines and requested a PHP 10,000 loan through NWTF to buy additional boxes of fish to sell. She has been in this business for three years.
In the future, Glenda would like to save enough money so she could afford to send her children to college.
Jeannine
Madagascar
A loan to help buy pants, shirts, dresses, skirts, and other goods to resell in the market.
Jeannine is a young monger, aged 29. She is lives with her partner, and the couple has two children together. The family rents an apartment that is located in a popular neighborhood of the city.
She has sold ready-to-wear clothes for eight years. Her partner sells various articles. The couple works together for a better standard of living. She wants to strengthen her business. She wants to expand the products put on sale. She resells clothes in the markets around the large city. She wants to raise her revenue and make more savings. She requests the support of lenders to buy pants, shirts, dresses, skirts, and other goods to resell on the market. The couple plans to build their own house in the future.
Dukanguke Tcb Group
Rwanda
A loan to help buy tomatoes, avocados, onions, and green peppers.
Joselyne is a 30-year-old mother of two children aged between 1 and 7 years. Her husband is a construction worker, and for the past five years, she has been selling vegetables.
She is the leader of the Dukanguke Tcb Group, which means “Lets wake up” in English. The group members sell different items and own a variety of businesses. Joselyne will use her loan to buy tomatoes, avocados, onions, and green peppers so that she can sell within her community. With the profit from her sales, she will be able to set aside some savings and expand her business. She is grateful for the support from the lenders. Due to the global pandemic, Urwego was not able to photograph all of the group members. However, the photo shows one member who is representing the group.
Mayson
Palestine
A loan to help buy a new machine, thread, silk, and fabrics for her work.
Mayson, who appears in the photo, is a hardworking woman who does her best to provide a decent life for her family. She is 55 years old and lives with her family in a village near Tulkarem, West Bank.
Mayson is a seamstress and produces beautiful clothes to sell to her customers who request them. She works so that she can help her husband with their family’s expenses. Mayson turned to Palestine for Credit and Development (FATEN) to request a loan to buy a sewing machine, thread, silk, and fabrics for her work. This will improve her work and enhance her income. She hopes the lenders will help by funding her loan.
Ginnyvette
Puerto Rico
A loan to help a local, woman-owned business build a shop, and acquire more inventory.
I was raised without my parents and today my two daughters are my life, always willing to give all of myself to grow for them. I have an Associate's Degree in Education, but with a strong entrepreneurial mind I have been developing alongside business mentors and in several entrepreneurial training courses. I have been developing a business idea and m working arduously to make it a reality. I am motivated to show the world that dreams are possible, and that hard work will yield great results. My goal is to empower other women and help them feel beautiful in the process.
Luisa
Peru
A loan to help to build her coffee drying module and expand her pig pen.
Luisa, 62, lives with her husband in Caserío El Higuerón, in the Chirinos district of San Ignacio. Here, she grows coffee and raises pigs to sell.
Luis will use this loan to build a coffee drying module and expand her pig breeding pen, which will improve her income.
Trina
United States
A loan to help hire a social media expert to grow a website store, also purchase cosmetic testers.
Hi. My name is Trina. I have 30 yrs+ of cosmetic and professional makeup application experience. I started professionally at 19 now I specialize in weddings. My effort in the last 10 years is to have high-end, but affordable cosmetics. I offer long wear, gluten-free and phosphate-free products to sell to my clients on the spot. My dream is to have an online store. I’m also proud to be animal cruelty-free! My passion is helping women feel confident, some back to work by training them (in person or on zoom) on how to look professional. I’m a single woman over 50 with 2 grown-up daughters. For many years I’ve been helping women in shelters, Church groups, and other woman’s groups, by giving them step-by-step instructions on how to look their best! I am overcoming a challenging marriage by pushing on and being my best self and helping other women feel incredible. I love making great connections and successful relationships. I would like to be a light to another woman not just with products but with compassion!
By obtaining a loan I could introduce gift sets, give product demonstrations and offer the spas I already have my products in more to offer their clients and give more mini Samples! Customers could purchase online night or day! Also, my fellow artists could carry my products for more exposure and more sales, eventually adding more employees to the future of RiskkCosmetics. I have the opportunity to ask my clients their needs instead of creating products that sit on a shelf! With my constant experience working in several high-end stores, I don’t lack cutting-edge ideas for what a good product is. I just need a loan to help with supplies, purchasing power, and media training.
Honorine
Vanuatu
A loan to help to buy more fuel to resell and generate income for a living.
Honorine, aged 23, is a young and brilliant business woman with dreams of providing an improved standard of living for her family. She has a beautiful 10-month-old baby and lives with her supportive partner in Port Vila. She currently runs a small scale fuel service business from her home island, which is located in the offshore islands of Vanuatu.
She often buys fuel fortnightly and ships it to her home island for her family to resell. She continues to run her business with the hopes of building a more permanent home for her family. Moreover, she wants to ensure that her young child will have access to a better education and a bright future. For this reason, she strives to grow her fuel service business to achieve these goals.
With the current COVID crisis affecting Vanuatu, she is challenged with very high fuel prices and shipping costs. She has now requested a loan to help her pay for more fuel to resell. This will help her generate enough income to support her household. With this loan, she has an opportunity to keep operating her business and be a lending hand to her family.
Ananya
Thailand
A loan to invest in her hammock-weaving business and to jumpstart her income this coming year.
Ananya is a Hmong woman from a rural village in the mountains of Northern Thailand. She has remained at home, caring for her parents. Ananya and her family have relied on subsistence farming their whole lives, which is a difficult and dangerous way of life.
The responsibility of taking care of her parents has fallen to Ananya, yet her income from farming is barely enough to support even herself. Added to that, she is helping put one of her siblings through school.
Ananya jumped at the chance to become a hammock weaver after being introduced to hammocks through other women in her village. She sees it as an ideal way to meet her financial responsibilities to her family. Although a new weaver, she has caught on well and produces beautiful handiwork.
This loan will help Ananya invest in her hammock-weaving business, become a more skilled artisan, and grow her income this coming year!
Christophina
Papua New Guinea
A loan to help to purchase more chickens and stock feed.
Christophina is in her mid-50's and self-employed. She is a chicken farmer in an urban settlement where she is living with her family.
Christophina currently has a stock of one box of chickens and sells them at 60 PGK per chicken when they are fully mature after six weeks. She has been farming chickens for the past three years. She sees that the supply is not sufficient to meet customer demand and the duration of breeding is time-consuming with only box for sale. She finds herself not competitive enough to meet the high demand for the growing population at the current pace.
Christophina has more experience now after years of farming chickens and increasing her stock does not cause a problem for her daily workload. She is supported by her husband every day and both are prepared to increase the number of chicken boxes.
This loan will be used to increase from one box to four boxes of baby chickens and get 16 starter feeds with 16 finishers. She wants to do maintenance to the chicken house as well to store all the chickens and stock feed. Christophina believes that having stock in bulk will reduce other expenses like travel costs and hiring people who assist when getting new stock.
Christophina is comfortable with this loan with which she aims to make bigger profits to meet her loan repayment and be able to save more in her bank.
Joan
Kenya
A loan to help to buy farm inputs such as certified seeds and high-nutrient fertilizers to improve her production.
Popularly known as "the bread basket of Kenya," Eldoret has a beautiful landscape. Kiva lenders, meet Joan, who hails from Eldoret, Kenya. Joan is arguably among the most successful clients of Juhudi Kilimo, a microfinance institution that deals only with smallholder farmers in rural parts of Kenya. Joan is married to a fellow farmer. Her family's main income source is milk from their dairy farm, but they are also involved in other agricultural activities such as growing crops.
Access to modern-quality farm inputs is the pillar of the agricultural revolution. However, in Kenya, a developing country, fertilizer and seed allocation by the government is way below the needs of farmers. Since Juhudi Kilimo, in partnership with Kiva, ventured into the affairs of smallholder farmers in Kenya, farmers can attest to a significant improvement in the availability of inputs.
Joan is requesting a loan to buy farm inputs such as seeds and nutrient-rich fertilizers. Your loan will enable her to improve her production through the use of quality farm inputs. This intervention will help her meet the increasing demand for food in the market and, in the process, generate more income to repay the loan debt. She also hopes to improve the condition of her house.
Sector Puma Group
Guatemala
A loan to help a member to buy cosmetics, beauty supplies, and other personal products to sell to both established and new clients.
The two women in the group Sector Puma live in Cantón Panjón, Samayac Suchitepéquez, Guatemala. One is 33 and is married with three school age children. She has a high school education. The other is 54 and is married with five grown children. She never went to school. The younger woman has a business selling beauty supplies and cosmetics. The older woman sells silver jewelry.
They are starting their first cycle with the Namaste Creating Prosperity Program and are eager to improve their businesses with the help of financial literacy classes and advice from a personal business advisor. Namaste was recommended to them by a friend in another Namaste group.
Mirza Jeanette is 33, with three children. She sells a variety of beauty supplies, cosmetics, lotions, and personal hygiene products. She travels to Mexico to buy some of these products and sells in her neighborhood and other nearby towns. She will use her loan to buy cosmetics, beauty supplies and other personal products to sell to both established and new clients. Her business goal is to have a stall or shop from which to sell her products.
Her monthly net profit is 2,670 Guatemalan Quetzales ($347). She hopes to increase that to Q3,930 ($510) by the end of this cycle.
Pictured from left to right are Mirza and Leona.
Losalini
Fiji
A loan to help to buy raw materials for her weaving business.
Weaving is a skill that is scarcely found since many use furniture and tables in their homes. Losalini keeps the talent of weaving that has been passed from one generation to one another, and she also provides services to many who want her woven products such as mats, baskets, hand fans, and bags. These products are made from pandanus leaves and can be used to decorate homes and to give out for souvenirs or gifts, and can also be used in both weddings and funerals.
Losalini is requesting a loan to buy all the raw materials to assist in weaving that will also make her work efficient.
Zinovia
Moldova
A loan to start her own activity in beekeeping to ensure the family with a source of healthy products and to start her own business.
Zinovia is a 55-year-old woman from the Firladeni village, Causeni region of Moldova. She has been married for 35 years and has a happy marriage. She has 3 children and 5 grandchildren who she loves very much. They make her happier every day and they fill her life with meaning.
Being a housewife, she has more free time. And Zinovia decided to start an activity. She loves honey and had informed a lot about the healthy impact to the immune system of people. And, she decided to deal with beekeeping. She needs finance to buy swarms with bee families and other necessary things to start her own business.
But not having enough money, she decided to ask for a loan from Kiva sources. As a result, Zinovia will be able to ensure her big family with honey and honey product and will start her own business.
Yasmeen
Egypt
A loan to help to buy fashionably winter clothes to attract more customers and increase sales.
Yasmeen is 21, a young lady who is living with her parents and her siblings in a small village in upper Egypt. She is an independent lady who wants to create her own income to help her father with household expenses due to the high prices of living conditions.
She started a small project with female and kids' clothes sales; it was a successful project, and Yasmeen wants to develop it by buying more clothes to meet her demand in the winter season. For this reason, she asks for a loan to buy fashionable winter clothes to attract more customers and increase sales. Yasmeen hopes to save money for the future.
Linita
Tonga
A loan to help to buy mulberry for her tapa-making business, and also pay for her children's school fees.
Linita is a mother to four children. She is married to a farmer, and they live in their own home. Currently, she runs a business of tapa-making, where she joins a group of women in the village to produce them. They conduct this process once a week, and having to work in a group benefits her business. Some of her tapas are sold to relatives overseas, and some are sold locally. Because her children are all educated, Linita is in need of financial support. With this loan, she is able to buy mulberry for her tapa-making and also pay for her children's school fees. It is her dream for her children to finish their education and find a better life in the future.
Mujeres De Valor Group
Paraguay
A loan to help a member to buy different types of perfume, moisturizer, lip balm, etc.
This lending group is called Mujeres de Valor (Brave Women) and is established in the town of Concepción. It is not an easy area to live in because armed groups are active there. This does not deter the borrowers from trying to improve their lot in life and build a brighter future for their loved ones.
Griselda, one of the members, is married and has a son. She spares no effort so that he can have a better future. Griselda is hard-working and has been working since a very young age. Thanks to her business, she puts food on the table.
She sells cosmetics, such as perfumes, moisturizer, lip balm, and business is booming. Her goal is to keep working and grow her business to keep up sales and continue helping her family. She asks for the loan to buy products to sell, such as different types of perfume, moisturizer, lip balm, etc.
Note: there are only three people in the picture, but this is a loan for a bigger group. It was not possible to take a full group picture because of pandemic-related restrictions, as the pandemic has not been declared over yet. In this group: Rosa Isabel, Deida Vaneza, Griselda, Sandra Noelia, Liz Fabiola, Sonia Karina, Elva Beatriz, Naraia Ailen, Blanca Stela, Maria Zunilda, Marta Mabel, Aida Zunilda, Alejandra Maria Carolina, Yohana Vanesa, Daisy Auxiliadora, Ninfa, Florinda, Maria Mirta
Marjorie De Los Angeles
Nicaragua
A loan to help to purchase socks, insoles, t-shirts, outfits for girls, hangers, tank tops, and shorts.
Over a decade ago, Marjorie decided to undertake a business to generate income and get her family ahead. At that time, she opted to sell used clothing. With the passing of time, she has been adding new merchandise to meet her customers' demand. These days, her business is very stable and she has the support of her family.
Marjorie has visited the nearest MiCrédito office with the goal of asking for a loan, Kiva financing, which will allow her to purchase socks, insoles, t-shirts, outfits for girls, hangers, tank tops and shorts to stock her sales stand.
Khulood
Jordan
A loan to help to buy blankets to sell to make an income.
Khulood sells blankets for a living. Since it is the winter she is in luck. A lot of people are looking for blankets.
Her business is limited to her home but word travels quickly. She gives those buying from her an excellent price. As a mom she found that an income can benefit her family.
This is why she is eager to keep her business and to grow it. A loan will help her to get more blankets to sell this winter.
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