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Loans Lives Loans that that Change Change Lives NEW WORLD ENGLISH

Philippines Rosalina's Story On March 13, 2017, we loaned $50 to Rosalina. Weare loaning her the money for 8 months. Rosalina wantsto raise $1000 in total. She is 82% funded so far. Rosalina has a food stall in the Philippines. Themoney will be used to buy different kinds of food suchas bananas, mangos, avocados, pizza, dried fish andfrozen food. We hope that we can help Rosalina to succeed. If shesucceeds, Rosalina can help her family, her communityand her country.March, 2017RosalinaKiva Story # 1

Philippines Liezel's Story On March 15, 2017 we loaned $25 to Liezel. She needs topurchase a new set of fishnets for her family business. Liezelborrowed $225 from 8 lenders. Liezel is going to pay back the loanwithin 10 months. New World English Young Leaders is one of thelenders. Young Leaders has 16 people in its group: Adam, Thomas,William, Edward, Albert, Alvin, Harry, Henry, Sandy, Sunny,Olivia, Hannah, Winnie, Ting Ting, Paris and Anne. Liezel is from the Philippines. Liezel is 45 years old and marriedwith 5 children. Liezel works with her husband for their familybusiness. Her husband is a fisherman and she helps her husbandby selling fish in the market. We hope this loan will help Liezel havea better life, so that she can help others. March, 2017LiezelKiva Story # 2

Tajikistan Fatima's Story Fotima is from Tajikistan. She is 61 years old. Fotima is awidow. She is a hardworking woman with a great desire to getahead. Fotima needs $500 to buy groceries to sell in her store.This is Fotima’s 14th loan from Kiva. Fotima has a 5 star riskrating. This means she has a very low risk of defaulting on herloan. There are 9 lenders. New World English Class 27 (Winnie,Jasper, Irene, Patricia, Wilson, Annika, Rosita, Angel andAaron) is one of the lenders. Fotima will pay us back within 14months. We hope Fotima makes enough money to help herfamily.March, 2017FatimaKiva Story # 3

Pakistan Mumtaz's Story Mumtaz is from Pakistan. She is 41 years old. She is marriedand has 3 children. Their family is very poor. Mumtaz is in the printing business with her husband. Herhusband is an artist. They have a small banner-writing shop.She needs $675 to buy color printers and printing material fortheir printing business. There are 15 lenders. New WorldEnglish Masters (Alice, Aurora, Bella, Dion, Jenny, Jesse, Jolin,Katie, Nita, Q-Ti, Ryder, Sky, Tank, Ricky, Jaden, Randy, Lilianand Nikky) is one of the lenders. We loaned Mumtaz $25 onMarch 16, 2017. We hope their business is successful, so Mumtaz and herhusband can take care of their family.March, 2017MumtazKiva Story # 4

Haiti Edwine's Story Edwine comes from Haiti. Haiti is a very poor country. In 2010,Haiti experienced a 7.0 earthquake. Many people died. Edwine is27 years old and single. She has always liked business. She hasinvested in many different businesses, but especially stoves. Stovesare the most profitable compared to other products. Being young,Edwine has many dreams. That is why she wants to double herstock of stoves in order to make more profit. Edwine borrowed $1,500 from 49 lenders. New World EnglishJuniors is one of those lenders (Alex, Frank, Frankie, Enya, Sarah,Apple, Shiny, Jison, Evelyn). We loaned Edwine $25 on March 17,2017. Edwine will pay back the loan in 10 months. We want to help Edwine, so her dreams can come true.Hopefully, she will use her profit to help others in Haiti.March, 2017EdwineKiva Story # 5

Pakistan Shehnaz's Story On March 17, 2017 we loaned $25 to Shehnaz. Six lendersgave her $300. The loan is 100% funded. New World EnglishJuniors (Apple, Enya, Frank, Frankie, Shiny, Jison, Evelyn,Sarah and Alex) is one of the lenders. Shehnaz will repay theloan in 14 months. It’s her first loan. Shehnaz is from Pakistan. Shehnaz is a housewife and looksafter her family. She is also well trained in stitching clothing.She really needs the money to help her family. She's going touse the money to buy a new sewing machine and some sewingsupplies. We hope that our support will help Shehnaz give her family abetter life.March, 2017ShehnazKiva Story # 6

Pakistan Lubana's Story On March 23, 2017 we loaned Lubana $25. Lubana is a 23year old woman from Pakistan. Her family has a school forlow-income families. Her family built the school 20 yearsago. There are 159 students in the school, and 42% are female.Lubana wants to raise $2875 for her school. She'll use themoney to build more classrooms and buy furniture for theschool. Lubana will pay back the money within 20 months. New World English Class 27 (Winnie, Patricia, Aaron,Angel, Rosita, Jasper, Annika, Irene, Perian and Wilson)decided to give some money to Lubana to help her school.We hope she can help many students.March, 2017LubanaKiva Story # 7

Tanzania Victoria's Story Victoria is from Tanzania. Tanzania is a country in Africa. Tanzaniais a poor country with an average annual income of $1900. Victoria had a dream of helping young people prepare for the jobmarket. In 2011, with family seed money, Victoria started DataskyCollege in Tanzania. With one small room and four computers, DataskyCollege offered its first course, Introduction to Computers, taught byVictoria herself. Over the past five years, Datasky College has grown. In 2016, theyenrolled 440 students. In 2017, Victoria requested a loan of $10,025 soshe could offer more classes. The funding will cover the cost of newcourse materials and salaries for teachers. There are 278 lenders. NewWorld English Seniors (Alex, Frank, Frankie, Shiny, Jison, Apple, Sarah,Enya and Evelyn) is one of the lenders. We loaned $25 to Victoria onApril 14, 2017. Victoria will repay the loan in 21 months. We loaned her the money because our class feels that education isvery important. We hope that Victoria continues to serve morestudents.April, 2017VictoriaKiva Story # 8

Combodia Luon's Story Luon is from Cambodia. Cambodia is a very poorcountry. It has an average annual income of $2,600.Luon is 49 years old. She has 4 children. Their familygrows rice. Luon wants to borrow $750. She needs the money tohelp buy seeds and pay the fees for plowing her ricefield. She will pay the money back within 26 months.New World English Class 27 (Leo, Umy, Aaron, Patricia,Jasper, Wilson, Irene, Perian, Annika, Rosita, Angel) isone of the lenders. We loaned Luon $25. We hope Luon can grow lots of rice to feed herfamily, and maybe have extra rice to sell. June, 2017LuonKiva Story # 9

Jordan Dad's Story Dad is from Jordan. Jordan is a poor country. It has anaverage annual income of $6,100. Dad is divorced and hasthree children. She is a housewife and lives in a village. Dad wants to borrow $1,450 to help buy fabric andsewing tools for her furniture-manufacturing business. Dadwill repay the loan within 21 months. New World EnglishMasters (Alice, Bella, Jenny, Jolin, Nita, Tank, Cindy, Ricky,Mina, Sophia, Dion, Ryder, Katie, Sky, Q-Ti and Jesse) is oneof the lenders. We want to help Dad because she can use the money tocreate a better life for herself and her family.June, 2017DadKiva Story # 10

Samoa Faimanifo's Story Faimanifo is a 62-year-old widow woman with 7children. She's from Samoa. Samoa is a poor country.She runs a small canteen in her community to earn aliving. She has 3 years of experience with thisbusiness. She needs the loan to buy sandwiches, pies, donuts,snacks, coffee,soft drinks and some equipment for hercanteen. We loaned her the money because we felt she'shaving a hard time. The money can help her tosupport herself and her children. September, 2017FaimanifoKiva Story # 11

Rwanda Catherine's Story Catherine is an entrepreneur from Rwanda. Rwandais in Africa. Rwanda is a very poor country. The averageyearly income in Rwanda is only $1,700. Catherine buys grain from 3,500 small farmers. Thenshe processes the grain and sells it to wholesalers.Catherine wants to borrow the money so she can buy atruck. She'll use the truck to expand her business. We're lending her the money because she is helpingmany small farmers and we think her business will besuccessful.September, 2017CatherineKiva Story # 12

Kenya Veronicah's Story Veronicah is a 25-year-old single mother fromKenya.Kenya has an average annual income of $1,800.Veronicah has one child. She will use this loan to buy vegetable seedlings toplant. She hopes to grow her business. She has beendoing this business for many years. Unfortunately, shehas a very low risk rating and she might not pay us back.She is supposed to pay us back in 14 months. We want to take a chance because she needs our help.If her business is successful, she can help her family andothers.September, 2017VeronicahKiva Story # 13

Guatemala Ana's Story Ana is a single mother. She is 19 years old, and hasa two-year-old son. They live in a small village inGuatemala. Ana works buying and selling traditional clothing,which she has done for four years. With the loan, Anais going to buy more traditional clothing.Ana will payback the loan within 14 months. New World English - Young Leaders loaned Ana themoney because Ana needs our help.September, 2017AnaKiva Story # 14

Kyrgyzstan Bukatycha's Story Bukatycha is a widow and mother of 2 children. Shehas a secondary education. Bukatycha is fromKyrgyzstan. Kyrgystan is a poor country with an averageannual income of $2,500. Bukatycha has been successfully selling footwear forthe past 7 years. She needs a loan to purchase morefootwear, so she can increase her sales. We decided to give her the money because we thinkshe can be more successful. If Bukatycha can be moresuccessful, she can help more people. September, 2017BukatychaKiva Story # 15

Vietnam Thuận's Story Thuận is 60 years old. She is married and has 2children. Thuận comes from Vietnam. Vietnam is a poorcountry. Vietnam's average annual income is $5,600. Thuận has worked in agriculture raising poultry formore than 10 years. She wants the money so she can buysome calves. She wants to raise the calves and sell them.With her business profit, Thuận hopes for her children tofind good jobs, for her business to do well, and to build anew house. We feel confident she'll pay us back because she's areputable person in her village.September, 2017ThuậnKiva Story # 16

Armenia Irina's Story Irina comes from a very small village in Armenia. Irina ismarried and has two school-aged children. Armenia is inthe Middle East. Armenia has an average annual income of$6,300. Irina is a farmer. Irina needs a loan of $2,000 to buypigs and the food to feed them. Irina has a four-star riskrating, and she'll pay us back in 31 months. We want to loan her the money because we think she'll besuccessful. Right now, her loan is almost funded, but thereare only three days left. By giving her the money, she'll havea better chance of getting her loan funded.October, 2017IrinaKiva Story # 17

El Salvador Evelyn's Story Evelyn is 25 years old. Evelyn is from El Salvador. She'smarried, but doesn't have any kids. She has worked in abeauty salon for the past 5 years, but now she wants to beindependent. Evelyn needs a loan of $600 to purchase tools such asscissors, brushes, combs, mirrors, towels, and makeup toestablish a beauty salon. She has a four-star risk rating, soshe'll probably pay us back. She'll pay us back in less than 14months. We gave her the money because we think she'll besuccessful in her business. She has lots of experience, and wethink she has grit.October, 2017EvelynKiva Story # 18

Ghana Mavuno Harvest's Story We gave money to a group called Mavuno Harvest. It was founded bya man called Phil Hughes. He wants to help farmers to sell their unsoldfruit. Mavuno Harvest provides markets for these farmers and theirproducts by drying fruit, thus increasing the demand for fruit andincreasing farming incomes. Mavuno Harvest is helping farmers in Ghana. Ghana has an averageannual income of $3,500. Mavuno Harvest needs a loan of $100,000. Theloan is 81% funded. This loan will help Mavuno Harvest to: (1) increasepurchase sizes from the farmers to expand US distribution, (2) expandthe company to Kenya by introducing a new product of organic, fairtrade cashews. We gave them the money because we thought it was a good idea, andit could help many farmers to make more money and have a better life.October, 2017Mavuno HarvestKiva Story # 19

Colombia Ligia's Story Ligia is from Colombia. Colombia has an averageannual income of $11,100. She is 58 years old. She is anartist. Ligia has four children and is happily married.Her earnings help to support her family. A loan of $675 helps her to buy fabric, trimmings, andChristmas decorations to make her Christmas dolls. Ligiawill pay us back in 9 months. Ligia’s risk rating is 3.5stars. The reason we gave her the money is to support afemale artist and Ligia is going to pay us back veryquickly.November, 2017LigiaKiva Story # 20

Bolivia Willma's Story Willma is from Bolivia. She has one daughter. She doessmall seam work for her family and neighbors. Willma needsmoney to help her daughter with her education and offer her abetter quality of life. Bolivia has an average annual income of$5,500. Willma needs $4,950 to purchase an industrial sewingmachine, a fabric cutter, and five rolls of fabric of all colors inorder to meet her customers’ demands. Willma will pay us backthe loan within 44 months. Willma’s risk rating is 3.5 stars. We want to lend her the money because she's responsible,and she’s taking initiative to change her life. We think she willpay us back the money and create a better life for her family.January, 2018WillmaKiva Story # 21

Cambodia Samak's Story Samak is from Cambodia. Samak is 47 years old. Shehas been a rice farmer for 29 years. She is married andhas three children. Cambodia has an annual income of$2,600. Samak needs $1,000 to buy compost and gas for herrice farm. Samak will pay us back within 20 months. Herrisk rating is 4.5 stars. We want to lend her the money because she isresponsible, and she wants to help her family have abetter life. We believe she will pay us back on time. January, 2018SamakKiva Story # 22

Tajikistan Urozoi's Story Urozoi is from Tajikistan. Urozoi is 67 years old.She is a widow. Urozoi is a seamstress. She makesdresses. She needs a loan of $475 to buy a sewing machine.She’ll pay us back in 14 months. She has a 4-star riskrating. We want to help her because we feel she comesfrom a very poor country. We think she needs ourhelp.January, 2018UrozoiKiva Story # 23

Timor-Leste Imaculada's Story Imaculada is 47 years old. She is married, and shehas 4 children. She is from Timor-Leste. Timor-Lestehas an average annual income of $6,800. Imaculada needs a loan of $1,000 for her farmingbusiness. She has a 3.5 star risk rating. She will payus back in 15 months. We loaned her the money because we think it willhelp her farming business, and it will help her tosupport her family. January, 2018ImaculadaKiva Story # 24

Ecuador Liliana's Story Liliana is from Ecuador. She is 23 years old. She is asingle mother of a small boy. She is a day laborer andraises animals as a way to support herself and her son. Liliana needs $1,200 to buy calves, salt, food, andvitamins. She will pay us back in 20 months. Her riskrating is 4 stars. Ecuador has an average annual incomeof $10,600. We want to lend her money because she is responsibleand is trying to take charge of her life. We think she willpay us back on time.January, 2018LilianaKiva Story # 25

Pakistan Sania's Story Sania is from Pakistan. She is 25 years old. She is aprinciple of a school for low-income families. Her school has90 students, and 53% of them are female. Sania needs a loan of $1,825 to buy furniture and toconstruct more classrooms to expand her school. Her goal isto upgrade her curriculum and introduce indoor andoutdoor activities. Her risk rating is 4.5 stars. We want to lend her the money because she is helpinglow-income families to change their lives. She'll pay us backthe money in 14 months. We hope she will cultivate manyfuture leaders.January,2018SaniaKiva Story # 26

Colombia Yuliana's Story Yuliana is from Colombia. She's a 21-year-oldentrepreneur. She currently works in her ownbusiness selling merchandise. Yuliana wants the loan to buy jeans, shirts, socksand shoes at wholesale. By doing that, she will havemore variety in her shop. She wants to be able totake care of her family. Yuliana's goal is to make her business strongerand improve Colombia's economy. We hope she'll besuccessful and will have a bright future. She'll payus back the money in 15 months.January, 2018YulianaKiva Story # 27

Maftuna Tajikistan March 2018 Kiva Story 28 Maftuna s Story Maftuna is 25 years old She comes from Tajikistan She is married and has a young son Her mother trained her how to sew She wants to buy a computer sewing machine Her aim is to start a new sewing business Tajikistan is a poor rural country The average annual income is US 2 700 It is the poorest country in central Asia She is from Khuroson in the southwest of Tajikistan We hope that she can pay back the money and start a successful business She can have a new life

Zambia Shardeck's Story Shardeck is a 71-year-old farmer from Zambia. Shardeckhas been farming for over five years. He grows maize,tomatoes and onions. Shardeck has relied solely on rain to irrigate his crops.Shardeck wants to grow his crops all year round. To do this,Shardeck needs a new irrigation system for his crops duringthe dry season. He will buy a solar submersible water pumpwith the loan. If Shardeck improves his irrigation system, he canproduce more vegetables for sale. The extra money heearns will help him to support his family.April, 2018ShardeckKiva Story # 29

Paraguay Diana's Story Diana is from Paraguay. Paraguay is in SouthAmerica. She is a student at university. Diana needs a loan, so she can pay her tuition fees.She repaid her previous loan. Her previous loan helpedher complete an accounting program at university.Presently, she is doing a specialized teachingprogram, so she can teach at university. We hope that the money we lend her will help her tocomplete her education.April, 2018DianaKiva Story # 30

Colombia Neivis's Story Neivis is a woman from Colombia which is in northern SouthAmerica. Many people have suffered during the ColumbianConflict (1965 to present), so there are many people who needhelp. About 220,000 people have died during this conflict andabout 5,000,000 people have been forced from their homes. Neivis needs a loan of $1,250 to buy more storage space formerchandise and clothing for her store. As well, she will usesome of the money to improve the store’s bathroom. We don’tknow anything about her family, but we do know that she willrepay us in 22 months. We hope her store will be successful, so she will be able topay us back and support her family. May, 2018NeivisKiva Story # 31

Timor-Leste Isabel's Story Isabel is a talented 29-year-old woman from Timor-Leste, Asia. She has a strong desire to get ahead. Isabelhas lots of experience and a good understanding ofbusiness. She has run her own fruit-selling business formany years. She needs a loan of $800 to help improve her fruit-sellingbusiness. She plans to use this loan to buy more fruit like:bananas, avocados, pineapples, grapes, and mangoes. We hope that with the money we lend her, Isabel will beable to expand her business and take care of her family.June, 2018IsabelKiva Story # 32

Mira Kyrgyzstan June 2018 Kiva Story 33 Mira s Story Mira is 55 years old She has four daughters and two sons Mira is from Kyrgyzstan Kyrgyzstan is beside China The average annual income in Kyrgyzstan is 2 500 Mira wants to borrow about a year s wages She needs 2 200 to buy calves She is going to raise the calves and sell them when they are bigger Mira has been working in agriculture for about 20 years Right now she has 10 cows 30 sheep and a horse As well she has some land She grows corn on the land We feel she will pay us back on time Mira has lots of experience and success in farming We hope our loan can help her to make her business bigger and better

El Salvador Maria's Story Maria is a widowed woman from El Salvador,Central America. She lives with her fourgrandchildren. Maria is a very enterprising woman. She startedher own tortilla business 12 years ago, so she doesnot need financial help from her children. Marianeeds the money, so she can improve her business.She will purchase corn in bulk at a lower price perunit, so she can make more profit. We hope that she will be successful in herbusiness, so she can support herself and her family.June, 2018MariaKiva Story # 34

Albania Vere's Story Vere is a 50-year-old woman from Albania. Albania is inEurope. She is married and has three children. One of herchildren was born with Down syndrome, so they need to spendextra time and resources to support this child. Vere and her husband are farmers. They have two milkingcows, two calves, and a small greenhouse. They sell the milkand vegetables to their customers. The family’s greenhouse ismore than five years old and parts of it are damaged. Sheneeds the money to repair it, so she can have a better harvest. This loan will help Vere make more money, so she cansupport her family. She will pay us back in 26 months.June, 2018VereKiva Story # 35

Vietnam Nguyet's Story Nguyet is a married woman with 2 children. She worksin agriculture for the past 10 years. She’s from Vietnam.Vietnam is a country that has low average income.Nguyet is from a very low-income household. Nguyet needs money to improve her poultry business.She’ll use the money to buy chicks. With her profit, shecan expand her poultry business. If she has a successfulbusiness, she can use the money to support her family. We hope that she can pay us back within 14 monthsand she can help her family to be happier and healthier.October, 2018NguyetKiva Story # 36

Georgia Loseb's Story Loseb is from Georgia. Georgia is beside Turkey.Loseb wants the money to pay for his education. Loseb’s family has some financial challenges, sothey are unable to pay for all of his education.Loseb is in 3rd year. He is studying to become adentist. We feel he will pay us back because he has achance to be successful. He will pay us back within26 months. November, 2018LosebKiva Story # 37

Philippines Anita's Story Anita is from the Philippines. She is a very hardworking entrepreneur. Anita is 47 years old and shehas 2 children who are in school. Anita needs the money to buy a variety of fish todry and sell. As well, she will buy supplies needed inher business. Anita has been in this business for threeyears. We hope that her buy-and-sell dried fish businesswill be successful. If it is successful, she can help herfamily.November, 2018AnitaKiva Story # 38

Pakistan Rubina's Story Rubina is from Pakistan. Pakistan’s averageannual income is $4,700. Pakistan is in Asia andbeside India. Rubina wants to buy a sewing machine for hersewing business. She needs money because she losther husband many years ago and she has six childrento take care of. Rubina will pay us back in 14 months. She will usethe money to improve her sewing business, so she canmake more money to support her children. November, 2018RubinaKiva Story # 39

Burkina Faso Maimouna's Story Maimouna is a married woman and mother of threechildren. Two of her children are in school. She is atrader from Burkina Faso, Africa. She has been sellingboiled peanuts in her neighborhood for more than tenyears. Maimouna is requesting the loan to buy 20 bags ofpeanuts, so she can sell them to her customers. Maimouna plans to use her profits to reinvest in herbusiness and pay her children's school fees. This loan isquite risky, but we feel that she needs our help.November, 2019MaimounaKiva Story # 40

Peru Teodoro's Story Teodoro is a hard-working 53-year-old man fromPeru. He is a farmer. He grows chili crops. Teodoro needs the money, so he can buy fertilizerfor his chili crops. The fertilizer will help his chilicrops to be more productive. If the crops growfaster and bigger, he will make more money. We hope Teodoro improves his economicsituation. If all goes well, Teodoro will repay us in11 months.November, 2018TeodoroKiva Story # 41

Plilippines Crispina's Story Crispina is a 41-year-old Filipino womanwith three children. She’s a very hard-workingperson. Crispina buys and sells wood. She wants tomake her business bigger, so she can makemore money. She’ll pay us back in 8 months. We hope that she’ll be successful, and wehope her business grows.December, 2018CrispinaKiva Story # 42

Mozambique Angelina's Story Angelina is a single parent with 4 children. She’s fromMozambique. Mozambique is a poor country. It has anaverage annual income of $1,200. Angelina needs the money to buy more merchandise. Shesells meat and meat by-products. Right now, she sellsmerchandise from her house, but she wants to sell it from astall in the future. We hope that her dream of owning a stall will come true.If she has a stall, she will probably make more money. Withmore money, she will be able to help her family and pay usback.December, 2018AngelinaKiva Story # 43

Kyrgyzstan Gulgaky's Story Gulgaky is 47 years old, married and has threechildren. Before she was a teacher, but now she is afarmer. She lives in Kyrgyzstan. Kyrgyzstan is a verypoor country. Gulgaky currently has six cows, 20 sheep and fourhorses on her farm. She also has some land on which shegrows potatoes. She needs the money to buy two dairycows, so she can produce more milk. We hope that Gulgaky will be successful, so she canhelp her family and make her business better.December, 2018GulgakyKiva Story # 44

Philippines Rizaly's Story Rizaly is a 39-year-old woman who lives in thePhilippines. She is married and has seven children.One of her children is in school now. Rizaly is a hard-working woman. She has been inthe pig fattening business for 5 years. She needs themoney to buy feed and other supplies to raise her pig. We hope that her business will be more successfuland healthier, so she can help her family and pay usback.December, 2018RizalyKiva Story # 45

SolomonIslands Adela's Story Adela is a 35-year-old married woman withfour children. She is from the Solomon Islands. Adela needs some money to buy sugar, rice,noodles and other supplies for her small store.There’s one problem. Adela might not pay usback because she has a 1-star risk-rating. We decided to give her a chance. We hope sheis successful and we hope she pays us back.December, 2018AdelaKiva Story # 46

Tajikistan Muhabbatkhon's Story Muhabbatkhon is a doctor from Tajikistan. Sheis married and has a young child. She has beenworking in a medical clinic since 2015. Muhabbatkhon needs the money to pay for hersister’s university tuition. She wants her sister tobecome an educated woman, so her sister will havea better chance of being successful in the future. We are certain that she will pay us back, and wehope that her sister can finish university. January, 2019MuhabbatkhonKiva Story # 47

Uganda Getrude's Story Getrude is a widow with five children. They alllive in Uganda. Uganda is a poor country with anaverage annual income of $1,800. Getrude has a stationery store as her mainbusiness. She needs the money to buy more stockfor learning materials, so she can sell them tostudents. We hope that she will be successful in herbusiness, so she can take good care of her family.January, 2019GetrudeKiva Story # 48

Peru Lourdes's Story Lourdes is from Peru. Peru is in South America.It has an average annual income of $12,000. Lourdes needs the money to buy more thread,colored wool, and other supplies for her business.She makes woven products like sweaters, scarves,and hats. Lourdes needs $900 and she’ll pay usback in 6 months. We hope that her business will be successful, soshe can help her family. If she’s successful, she willprobably pay us back.February, 2019LourdesKiva Story # 49

India Mosammat's Story Mosammat is a 27-year-old married woman fromIndia. India is a large country in South Asia. It hasan average annual income of $4000. Mosammat is in the cow-selling business. She buyscows from dealers and sells them to other people.Mosammat needs the money to buy more cows, so shecan expand her business and increase her profit. We hope that she will succeed in her business, soshe can pay us back and support her family.February, 2019MosammatKiva Story # 50

Bolivia Lidia's Story Lidia is from Bolivia. Lidia is a 35-year-old marriedwoman with a young child. Bolivia is a country inSouth America. It has an average annual income of$500. Lidia has a shop selling many different kinds ofproducts such as eggs, soda, cookies, and paper bags.She needs the money to buy a refrigerator, so she cansell other products that need to be kept cool. We hope she can be successful, so she can give herfamily a better quality of life.March, 2019LidiaKiva Story # 51

Samoa Lena's Story Lena is a 48-year-old married woman with 8 children.She runs a business of selling taro and bananas in hercommunity to earn a living. She has 4 years of experiencewith this business. Lena works very hard to please hercustomers with her fresh taro and bananas. Lena needs some money to expand her business. She willbuy taro and banana seedlings, chemicals, a sprayer, and achainsaw. These things will help to make her businessbetter. We hope her business will be successful, so she can payus back. If she pays us back, we can loan the money tosomebody else.March, 2019LenaKiva Story # 52

Plilippines Romina's Story Romina is a responsible mother of two children.She is 48 years old and she lives in the Philippines.The Philippines has an average annual income of$7,000. Romina has a print shop where people can printand copy their paper. Romina needs the money to buymore printing materials for her shop, so she canimprove her printing business. We hope she will be successful, so she can supporther family and pay us back.March, 2019RominaKiva Story # 53

Kenya Nkatha's Story Nkatha is a happily married woman from Kenya.Kenya is a poor country in Africa. Kenya has an averageannual income of $1,800. Nkatha has a general store. She sells staple fooditems such as milk, bread, cookies, fruit, and drinks.Nkatha needs the money to buy construction materialsto repair her store and house. We hope she can repair her store and house, so shecan improve her business. If her business is successful,she will probably pay us back.March, 2019NkathaKiva Story # 54

Philippines Mary Grace's Story Mary Grace is a single mother of two children. Sheis 24 years old and she lives in the Philippines. ThePhilippines has an average annual income of $7,000. Mary Grace has a general store in the Philippines.She sells canned goods, personal care products,sugar, soap, and other snack foods. Mary Grace needsthe money to buy these items, so she can sell them toher customers. We hope she will succeed in her business, so shecan support her family and pay us back.March, 2019Mary GraceKiva Story # 55

Madagascar Vonilalao's Story Vonilalao Felanasoa is a 38-year-old married woman.Vonilalao is from Madagascar. Madagascar is a poor countryin Africa. Madagascar has an average annual income of$1,000. Vonilalao is an experienced merchant. She has been buyingand selling rice since 2016. The market for her product isstable because it’s delivered directly to regular customers likewholesalers and grocery stores. Vonilalao needs the money tobuy more rice for her inventory, so she can increase her profitand support her family. We hope Vonilalao will be successful, so she can expand herbusiness. If her business improves, she can help her family andpay us back.March, 2019VonilalaoKiva Story # 56

Palistine Malak's Story Malak is a 21-year-old mother with one child. Malaklives in Bethlehem, Palestine. Bethlehem is where Jesuswas born. Malak is a tailor. She sews beautiful clothes and sellsthem to her customers. Also, she fixes clothing for hercustomers. She needs the money, so she can buy a newsewing machine and sewing materials. Malak is atrustworthy woman. She has a 4-star risk rating. We hope Malak will be successful. If she is successful,she can support her family and pay us back. April, 2019MalakKiva Story # 57

Kenya Monicah's Story Monicah is a 37-year-old married woman with fourchildren. Monicah lives in Kenya. Kenya is a poor country.Its average annual income is $1,800. Monicah opened her retail shop seven years ago.Monicah needs the money, so she can buy: sugar, detergent,salt, maize flour, cereals, rice, paraffin, and other goods.She will use the profit from her business to pay school feesfor her children. We hope Monicah will earn more profit, so she can besuccessful. If she’s successful, she will probably pay usback and give her family a better life.April, 2019MonicahKiva Story # 58

Kenya Getrude's Story Getrude is a single woman from Kenya. She haschildren to take care of. Kenya is a poor country with anaverage annual income of $1,800. Getrude manages tofeed her children at least one meal a day. Getrude needs the loan to buy seedlings for ahorticultural farming business. There are good roads, agood climate, and a good transportation system whereshe lives, so she believes she can be successful. We hope that Getrude can do well in her business, soshe can give her family a better life.April, 2019GetrudeKiva Story # 59

Peru Margarita's Story Margarita is a hard-working 39-year-old woman. Shelives with her partner and her three children in Peru.Peru is not a poor country. It has an average annualincome of $12,000. Margarita is an experienced farmer. She has beengrowing different crops for 14 years. Now, she growspotatoes. She needs the money to buy fertilizer for herpotato crops, so she can have a more productiveharvest. We hope Margarita can be successful, so she cansupport her family and give her children a better life.May, 2019MargaritaKiva Story # 60

Lebanon Mona's Story Mona is a 63-year-old widow with two children. Mona is theonly breadwinner for her family. Mona is from Palestine, butshe lives in Lebanon. The reason she lives in Lebanon is becausethere is a conflict between Palestine and Israel. Mona is arefugee. Mona works in the kitchen of a company, but she also has afood market to earn a second income. Mona needs the money,so she can buy more goods for her food market. Mona is atrustworthy and hard-working person with a 4-star risk rating. We hope Mona will be successful, so she can give her familya better life and pay us back. June, 2019MonaKiva Story # 61

Tanzania Diana's Story Diana is a 19-year-old businesswoman. She lives inTanzania, Africa. Tanzania is a poor country with anaverage annual income of $1,900. Diana is requesting a loan, so she can start her ownbusiness. She needs the money to buy clothes so that shecan sell it to her customers. It is a little bit riskybecause her risk rating is two-and-a-half star. We hope she can be successful, so she can help herfamily and her community. If she is successful, she willsupport her community by participating in manyvoluntary social activities.June, 2019DianaKiva Story # 62

Kenya Rose's Story Rose is a 44-year old single mother from Kenya. Shehas been farming for the past two years. Rose needs the money, so she can buy seeds andfertilizer to improve her crops. Right now, Rose lives inpoverty. With the profits, she will make her farm betterby improving the quality of her products. This willattract more buyers, leading to more profits. Rose will pay us back in fifteen months. We feel thatshe will pay us back even though she only has a 3.5 starrisk rating. Rose is a visionary and she loves farming, soshe will probably be successful. September, 2019RoseKiva Story # 63

Kenya Ruth's Story Ruth is a 55-year-old lady from Kenya. She is marriedand has 6 children. Kenya is a poor country with anannual income of $1,800 dollars. Ruth is a tailor. She needs the money to buymaterials, so she can make new clothes or fix oldclothes. She wants to make more money, so she can buyfood for her family. We hope Ruth will be successful making and fixingclothes. We think she will pay us back, and we know ourloan will help Ruth to support her family. November, 2019RuthKiva Story # 64

Liberia Felicia's Story Felicia is a 44-year-old woman from Liberia. She is asingle mother with five children. She has a dried fishbusiness. Felicia needs the money to buy more dried fish to sell,so she can improve her life. She will pay us back in 7months. She also needs the money to build her house.The risk rating is 3-star. We hope she will pay us back. We hope she can be successful selling dried fish, andwe hope she can take care of her family. We also hopeshe can have a beautiful life.November, 2019FeliciaKiva Story # 65

Kenya Mary's Story Mary is from Kenya. Kenya has many problemsto solve. One of the biggest problems isdeforestation. Mary wants to do her part to helpthe environment. Mary needs the loan, so she can buy a specialmachine. This machine can make fuel from cowmanure and fertilizer for growing vegetables. Even though the loan is risky, we believe Marywill pay us back. We support her environmentalthinking.November, 2019MaryKiva Story # 66

Kenya Ann's Story Ann is a 59-year-old single mom. She has 4 children.She is a farmer from Kenya. She works really hard toprovide a better life for her children. Ann needs the loan, so she can buy certified seeds andfertilizer to grow more crops. Ann is trying to reduce hercosts and increase her output, so she can make moreprofit. We hope that she can take care of her children bybeing a good farmer. Ann seems to be very positive anddetermined to succeed. She has grit. November, 2019AnnKiva Story # 67

Uganda Rosemary's Story Rosemary is 20 years old and lives in Uganda. She ismarried and has one child. For the past 2 years,Rosemary has been working hard to manage her foodstall, which sells green bananas, potatoes, tomatoes, andcassava. Rosemary needs a loan, so she can buy more fruits andvegetables to sell. If she can sell more fruits andvegetables, she may have a chance to make more profit.Rosemary will use the profit to help support her family. We think she will pay us back and we hope that thisloan will help her to give her family a better life. November, 2019RosemaryKiva Story # 68

Kenya Joyline's Story Joyline is from Kenya. Joyline is a businesswoman, awife, and a mother of two lovely kids. She is in the teabusiness with her husband. Joyline needs a loan of $400 to help buy more tea leavesfor selling. She needs more tea leaves because she has manycustomers who want to buy them. She sells tea leaves topeople who need them for their factories. If she has moretea leaves, she can make more profit. We hope Joyline can make more money, so she can growher business and give her family a better life. We also hopeshe will pay us back, too. November, 2019JoylineKiva Story # 69

Kenya Elizabeth's Story Elizabeth is from Kenya. She is 36 years old andhas 3 children. She is a role model, a mentor, and aninspiration to many young farmers in her village. Elizabeth makes money selling products, includingmilk and crops. She needs a loan of $400 to hire laborand buy good quality seeds and fertilizer, which willhelp increase soil fertility and productivity on herfarm. We lent her money because we hope that she canhave a better life and take care of her family. November, 2019ElizabethKiva Story # 70

Palestine Shahdia's Story Shahdia is a 50-year-old mother in Palestine. She hasfour kids and they live together in a small house.Palestine is not a rich country. Palestine’s averageannual income is $4,900. Shahdia is a farmer. Her family has a piece of land tocultivate different crops based on the season. She wantsto borrow the money to build a green house, so she cangrow and provide off-season products. We hope Shahdia will be successful, so she cansupport her family and give her kids a better life.November, 2019ShahdiaKiva Story # 71

Moldova Tatiana's Story Tatiana is a 44-year-old woman. She is fromMoldova and she has two kids. Her first son just gotmarried and has a child. Moldova is a poor country.The average annual income in Moldova is $3,800. Tatiana is a businesswoman. She has a stand in alocal food market to sell spices. She needs the moneyto buy more spices to sell to more customers. We lent $25 to Tatiana and we hope she can usethis money to support her family and her grandchild.December, 2019TatianaKiva Story # 72

Nicaragua Martina's Story Martina Isabel is a 51-year-old mother of threechildren. Martina is from Nicaragua, Central America.Nicaragua is a poor country with an average annualincome of $4,800. Martina started out her business by selling clothes alittle bit at a time. To support her family more, she needsa loan of $600. With the money, she’ll buy more sandals,tennis shoes, and dress shoes for women and men. We hope we can help Martina with this loan, so shecan help her family and give us the money back.January, 2021MartinaKiva Story # 73

Kenya Faith's Story Faith is a 32-year-old mother of two children. Faith isa mixed dairy and crop farmer in Kenya. Kenya is a verypoor country. Its average annual income is US$1,800. Like other small farmers in Kenya, Faith doesn’t have alot of money. She needs a loan of $1,575 to buy morefarming materials. If she has the money, she can improveher farm. We hope Faith will get this loan, so she can help herfamily. If the farm is successful, she will be able to payus back.January, 2021FaithKiva Story # 74

Haiti Adelene's Story Adelene is a woman in Haiti. Haiti is a very poorcountry. Haiti’s average annual income is US$1,300. Adelene is a business woman. Adelene sellscosmetic products to the people around her. Sheneeds a loan of $475 to buy more beauty soap andchildren’s diapers. If she can make more money, shecan improve her life. We hope Adelene will make enough money to payus back.January, 2021AdeleneKiva Story # 75

Kyrgyzstan Makhabatkan's Story Makhabatkan is from Kyrgyzstan. She is married andhas 2 children. She has been farming and raisinglivestock as her family’s source of income. She has 5cows, 10 sheep and a 0.5 hectare plot of land on whichshe grows apricots. Makhabatkan needs the money, so she can buy moredairy cows. She wants to produce more organic milk. Shewill reinvest the money she makes from dairy cows, so herfarm can improve. We hope that she can be happy and raise her family.February, 2021MakhabatkanKiva Story # 76

Egypt Asmaa's Story Asmaa is 28 years old. She has 4 kids who are stillgoing to school. Asmaa is from Egypt. Egypt’s annualincome is US$6,600. Asmaa has a small clothes business. She needsmoney to buy more fabrics and clothes. Asmaa wants touse her profit for her children, so her children can go toschool. We hope her business will be successful, so she cansupport her kids. She will probably pay us back in 14months.July, 2021AsmaaKiva Story # 77

Burkima Faso Rasmata's Story Rasmata is from Burkima Faso. She is a motherwith 4 kids. Three of her kids are still in school.Burkima Faso is a poor country. The annual income isUS$1,500. Rasmata has sold cake for over ten years. Sheneeds money to buy more flour, oil, and sugar. She willuse these ingredients to bake more cake. Rasmatawants to use the profit to help her family. We hope she will be successful, so she can supporther family. She will probably pay us back in 7 months.July, 2021RasmataKiva Story # 78

Kenya Caroline's Story Caroline is from Kenya. Caroline is a single mom.She has three children. They are all going to school.Kenya is a very poor country. It has an annual incomeof $1,800. Caroline has some land. She is a farmer. She needsmoney, so she can buy more seeds, fertilizer, andchemicals. She hopes these things will make her farmbetter. We hope the money we lent her will make her farmbetter. August, 2021CarolineKiva Story # 79

Philippines Maricel's Story Maricel is from the Philippines. She is 43 yearsold. She has three children. They all go to school. Maricel has a general store. She needs a loan ofUS$600 to buy more canned goods and personalcare products for her store. She hopes to makemore money, so she can send her children to college. We believe education is important. We hope thatthis loan will help Maricel grow her business, so shecan support her children.September, 2021MaricelKiva Story # 80

Jordan Mai's Story Mai is from Jordan. She is married and has threechildren. Mai wants to work from home to help supporther family. Jordan has an average annual income ofUS$6,100. Mai plans to start a kindergarten at home. She needsrugs, beds, and some toys. These things will help her withher business. We hope this loan will help her become successful. Wealso hope she can bring better education to hercommunity.October, 2021MaiKiva Story # 81

Jordan Munifa's Story Munifa is from Jordan. She is fifty years old. Munifais married and has two kids. Jordan’s average annualincome is US$6,100. Munifa has a small business. She pickles grape leaves,fruits and vegetables and sells them. Munifa needsmoney to buy more vegetables, grape leaves, and storagebags. She hopes these things will help her expand herbusiness. Munifa hopes this loan will help her to save moremoney, so she can improve her living conditions.October, 2021MunifaKiva Story # 82

Tajikistan Farzona's Story Farzona is from Tajikistan. She is 28 years old. Sheis divorced and has a daughter. Tajikistan is a poorcountry. It has an average annual income ofUS$2,700. Farzona is a seamstress. She is a hard worker andhas many clients. Her daughter is sick and needs help.Farzona needs money to pay for her daughter’streatment. We hope this loan will help Farzona’s daughter getbetter.November, 2021FarzonaKiva Story # 83

Kenya Victoria's Story Victoria is from Kenya. She is 38 years old. Sheis a single mother with five children. Kenya is apoor country with an average annual income ofUS$1,800. Victoria is a corn farmer. She works every dayto provide for her children. She needs money to buyfertilizer and tools for her farm. We hope this loan will help Victoria improve herfarm, so she can take better care of her family.December, 2021VictoriaKiva Story # 84

Samoa Vaai's Story Vaai is from Samoa. She is a widow. Vaai is 62 yearsold and has four children. Samoa is a small island inbetween Australia and South America. It has an averageannual income of US$5,200. Vaai makes and sells pancakes. She needs money tobuy flour, sugar, a frying pan, an oven, cooking oil, andyeast to run her business. She hopes that she can save enough money to have asmall bakery in the future.January, 2022VaaiKiva Story #

Fiji Victoria's Story Victoria is from Fiji. Fiji is an island countrynear Australia. Fiji is a poor country with an annualincome of US$4,900. Victoria owns a grocery store. She works tosupport her family. Victoria needs money to buymore groceries for her store. She plans to buycanned meat, biscuits, noodles and dairy products. We hope that the loan will help her businessgrow, so she can help her family more.February, 2022VictoriaKiva Story # 86

Kenya Abigael's Story Abigael is from Kenya. She is a farmer. She growsmany different kinds of vegetables. She needs a loan tobuy things for her farm. Abigael needs to buy seeds and fertilizer for hercrops. She wants to buy good quality seeds, so hervegetables will grow better. The fertilizer will also helpthe vegetables grow better. If the vegetables growbetter, she can attract better customers and make moremoney. We are confident that Abigael will pay us backbecause she has a good credit history. February, 16, 2022AbigaelKiva Story # 87

Tajikistan Zulbiyo's Story Zulbiyo is from Tajikistan. She is 54 years old. She ismarried and has three children. Tajikistan is a poorcountry. It has an average annual income of US$2,700. Zulbiyo is a housewife. She wants to help her familymake more money. Zulbiyo wants to start her ownbusiness by selling meat. She needs money to buy a pairof young bulls. Zulbiyo already has a corral for theanimals. Zulbiyo is grateful for our help and she hopes this loanwill help her family.March, 2022ZulbiyoKiva Story # 88

Kenya Nancy's Story Nancy is from a small village in Kenya. She is a singlemom. She was born in one of the poorest families in hervillage. Kenya is a poor country with an average annualincome of US$1,800. When Nancy was young, it was hard for her to get twomeals a day. She didn't go to school because her family waspoor. Nancy learned farming from her parents. Shepractices dairy farming, poultry and crop production. Nancywants to get a loan, so she can expand her business byselling cereals. Nancy is grateful for our help and hopes that this loanwill help her family. April, 2022NancyKiva Story # 89

Senegal Awa's Story Awa is from Senegal. She is 37 years old and has 6children. Senegal has an average annual income ofUS$2,300. Awa is a shopkeeper. She sells many types of fabricto men and women. She has run this business for morethan 5 years. This job supports her family. It alsohelps to send her children to school. Awa hopes this loan will help to expand herbusiness, so her dream will come true. Her dream is tobecome a great shopkeeper. May, 2022AwaKiva Story # 90

Tonga Manuna's Story Manuna is from Tonga. She is married and has ason. Tonga is an island country in the Pacific ocean. Ithas an average annual income of US$5,000. Manuna works in a farming business. She workshard to send her son to school. A tsunami and volcanicash damaged and destroyed her yam farm this year.Manuna wants to get a loan to buy more seeds for anew farm. We hope this loan can help Manuna to rebuild herfarm soon, so she can support her family better. June, 2022ManunaKiva Story # 91

Vanuatu Mcline's Story Mcline is from an island country called Vanuatu.She is 51 years old and has 5 children. Vanuatu is apoor country. It has an average annual income ofUS$2,500. Mcline runs a retail store and raises cattle. Sheplans to go into the cattle business. Mcline alreadyhas a few cattle. She needs a loan to buy more food forthem. Mcline hopes to save enough money to build ahouse. Her dream is to have a permanent home for herfamily. July, 2022MclineKiva Story # 92

Cambodia Mao's Story Mao is from Cambodia. She is 53 years old. Mao is awidow and has three children. Cambodia is a country insouthern Asia. It has an average annual income ofUS$2,600. Mao is a farmer. She needs a loan to buy a pig, 8piglets and pig feed. Mao hopes she can earn enoughmoney to fix her house and expand her farm. We hope this loan will help Mao and her family, sothey can have a better life.August, 2022MaoKiva Story # 93

Kenya Norah's Story Norah is from Kenya. She has seven children.Kenya is a poor country. It has an average annualincome of US$1,800. Norah is a farmer. She decided to become afarmer so she can feed her children. Norah has acrop farm and a dairy farm. She needs money to buyseeds and fertilizer to improve her farm. Norah hopes she can expand her farm so she cangive her children a better life. September, 2022NorahKiva Story # 94

Vietnam Thu's Story Thư is from Vietnam. She is 42 years old and is awidow. She has three children. Vietnam is a poorcountry with an average annual income ofUS$5,600. Thư works at a factory, but her income is notstable. She doesn't have enough to pay for herchildren's tuition. Thư wants to get a loan to buyschool supplies and pay the tuition for her children. Thư hopes she can give her family a better life,so they can be happy and healthy. October 2022ThưKiva Story # 95

Grace Uganda November 2022 Kiva Story 96 Grace s Story Grace is from Uganda She is a refugee She has 6 children Uganda is a poor country It has an average annual income of US 1 800 Grace is a farmer She grows millet cassava beans and soybeans Grace also has a small stall that sells daily goods She wants to get a loan to buy more things to sell Grace hopes she can make more money so she can give her children a better life

Enriqueta Philippines December 2022 Kiva Story 97 Enriqueta s Story Enriqueta is from the Philippines She is 60 years old She is a widow with three children The Philippines is a poor country with an average annual income of US 7 000 Enriqueta runs a general store She has worked there for more than 5 years She needs a loan to buy more canned goods and snacks for her store Enriqueta hopes to make more money so she can give her family a better future

Viviane Madagascar January 2023 Kiva Story 98 Viviane s Story Viviane is from Madagascar Madagascar is an island next to Africa It is a poor country with an average annual income of US 1 000 Viviane is a pig farmer She needs a loan to buy more land pigs and feed She plans to buy 3 pigs to raise and feed When the pigs grow up she will sell them Viviane hopes to save more money so she can give her family a better life

Lindalva Timor Leste February 2023 Kiva Story 99 Lindalva s Story Lindalva is from Timor Leste She is a hardworking woman Timor Leste is an island close to Australia It has an average annual income of US 6 800 Lindalva runs a stand She needs more money to buy supplies Lindalva plans to buy drinks water sugar coffee salt biscuits and eggs She also needs a refrigerator to keep the drinks cold Lindalva hopes to run a bigger business so she can support her family

Katalina Samoa March 2023 Kiva Story 100 Katalina s Story Katalina is 45 years old She lives with her five children in Samoa Samoa is an island country in the Pacific Ocean It has an average annual income of US 5 200 Katalina runs a small business She sells sandwiches chicken and chips to make money She needs a loan to buy bread canned tomatoes tuna an oven and chicken Katalina hopes to expand her business and give her family a better life

Lidia Elizabeth Ecuador April 2023 Kiva Story 101 Lidia Elizabeth s Story Lidia Elizabeth is from Ecuador She is 38 years old and has two children Ecuador has an average annual income of US 10 600 Lidia Elizabeth lives in a house that was affected by the 7 8 earthquake in 2016 She has a small chips shop where she makes snacks from plantains She works from Monday to Sunday Lidia Elizabeth needs a loan to buy more oil plantains and packing bags Lidia Elizabeth wants to expand her business and give her family a better life

Jacinta Mozambique May 2023 Kiva Story 102 Jacinta s Story Jacinta is 41 years old She is from Mozambique Mozambique is a country in Africa with an average annual income of US 1 200 Jacinta buys and sells fresh vegetables She also sells organic fertilizer and animal feed to farmers Jacinta saw many people want to buy tomatoes so she wants to get a loan to buy more tomatoes to sell Jacinta hopes to earn more money from selling tomatoes so she can give her family a better life

Marcia Justina Nicaragua June 2023 Kiva Story 103 Marcia Justina s Story Marcia Justina is 56 years old She is a widow from Nicaragua Nicaragua is a country in Central America It has an average annual income of US 4 800 Marcia started a business to help her children She sells secondhand clothes She needs a loan to buy more clothes and display cases Marcia hopes to have a stable business and give her children a better life

Vivian Solomon Islands September 2023 Kiva Story 104 Vivian is 50 years old She is single and has 4 children She is from the Solomon Islands near Australia It has an average annual income of US 1 800 Vivian is a pig farmer She has raised and sold pigs for more than 3 years She needs a loan to buy more pigs and pig feed Vivian hopes to make her business better and give her family a good life

Perpetu Rwanda October 2023 Kiva Story 105 Perpetu is a single mother She has two children Perpetu is from Rwanda Rwanda is a country in Africa It has an average annual income of US 1 700 Perpetu sells bed covers and clothes to men and women She wants to start selling clothes for children and improve her business Perpetu needs a loan to buy more clothes to sell Perpetu hopes to make enough money to support her family and her business

Mary is a widow from Liberia. She is 53 years oldand has 8 children. Liberia is a country in Africa. Ithas an average annual income of US$700. Mary is a hard worker. She has worked fromMonday to Saturday for 16 years. She sells rice,soap, pepper, oil, charcoal and many other things tomake money. Mary needs a loan to buy supplies forher business. Mary hopes to save enough money to expand herbusiness and give her family a better life.LiberiaNovember 2023MaryKiva Story # 106

Martha is a widow from Tanzania. She is 64 yearsold and  has 4  children. Tanzania  is a  country inAfrica.  It  has  an  average  annual  income  of    1,900USD.     Martha  is  a  hard  working  farmer.  She  needsmoney  to  help  cultivate  the  land.  She  has  a  farm.Her  farm  needs  tilling,  fertilizing  and  laborers.Martha wants to grow good quality crops to sell. Martha hopes to make more money, so she cansupport her family better.TanzaniaDecember 2023MarthaKiva Story # 107

Jeaqueline is 44 years old. She is a single motherwith four kids. She lives in Peru. Peru is a country inSouth America. It has an average annual income of5,500 USD. Jeaqueline works in agriculture. She grows andsells olives. Jeaqueline needs a loan to buy moreolives. She wants to improve her farm. We hope her farm will be successful, so she cangive her family a better life.PeruJanuary 2024JeaquelineKiva Story # 108

Juana is 41 years old. She lives in Guatemala.Guatemala is a country in Central America. It hasan average annual income of US$5,300. Juana owns a small business. She buys and sellstraditional clothing for women. She needs a loan tobuy more skirts, blouses and sashes to sell. Juana wants to sell more clothes to help improveher business. She hopes this will give her family abetter life.GuatemalaMarch 2024JuanaKiva Story # 109

Elisapeta is 39 years old and has five children.She is from Samoa. Samoa is an island country inthe Pacific Ocean. It has an average annual incomeof US$5,200. Elisapeta runs a small business cooking rice andcurry. She sells the food in her community to makemoney. She needs a loan to buy more flour, curry,chicken, rice, oil, potatoes, onions, and a new stove. Elisapeta dreams of having her own restaurantin the future. She also hopes to give her family abetter life.SamoaApril 2024ElisapetaKiva Story # 110