Jurabek Kabirov lives in Jilikul. He is 32 years old, married, and has five children. He works in animal husbandry. He has a plot of land where he raises livestock. He has three years experience. He plans to take out a loan to increase his flocks. He can pay off the loan in twelve months...

Rajabgul Qurbonova lives in the Djillikul region. She is 42 years old, married, and has 5 children. She has been working in trade for the last 5 years. She owns a grocery store that is located close to her house. She would like to expand her business by purchasing additional inventory...

Eugenio Sejas Mendez has been living in this region for the past 15 years. He was born in Montero de Santa Cruz but now lives in the region called Jardin de las Delicias with his wife Mrs. Lidia Arias Chavez and their three children...

Mr. Porfirio Pérez lives in Santa Martha with his wife and son. They both contribute to the maintenance of their home through their respective jobs. He works in public urban transportation, is president of his labor union, and is a very hard worker. His wife, Alcira Cruz, sells clothing for a living...

Mrs. Juana Bruno Rojas lives in Santa Rita and owns a home whom she shares with her husband and five children. She has been working in food sales for the past six years. Her husband, Mr. Alberto Toledo, works as a watchman in Santa Rita's grinder and also helps her with her food sale business...

Enecito Samson owns 1 hectare of land, which he inherited from his parents. He is 39 years old and still single. He started tilling the farm when he was just 10 years old. They were so poor that he was not able to finish his studies. Instead, he helped his parents on the farm to raise their family and have enough food to eat...

Milagros Lelis is engaged in rice farming. She is 42 years old and has 4 children. Their children's education is something that worriers her because it is quite expensive and is hard on their budget. She has a husband, Glen Lelis, who is also a farmer...

Michael Kachagwa is a Tanzanian micro entrepreneur. He is married and has three school-going children. He runs a hardware shop at the Buguruni ward in Dar es Salaam. He sells various items including color and cement...

Amina Abdul is a Tanzanian small businesswoman with four school-aged children. She runs a clothing shop and also sells fresh fish. She purchases the clothing from shops in Kariakoo city business center, and sells them retail to customers at Yombo Vituka in Dar es Salaam...

Mrs. Elsa Vera has had her store for 4 years. She divides her time between her family and business. She is a responsible and hard-working person. She has worked with our institute since 2001 always being punctual with her payments and seriousness toward her work...

Client Amriddin Yusupov is a 40 year old man living in the Abdurahman Jami district. He has a high school education, is married, and has five children. He has practiced animal husbandry for over 7 years, and would use the loan to buy a pair of young calves...

Client Saymiddin Yusupov is a 34 year old man living in the Abdurahman Jami district. He has a high school education, is married, and has a son. He has been practicing animal husbandry for over 6 years and would like to use a loan to buy a few calves for future resale...

Mrs. Adelaida Tiaño, 41, has been a loyal client of HSPFI for many years. She wants funds amounting to PHP 25,000 to purchase trays of eggs, bags of rice and assorted RTW (ready-to-wear) for her established customers. Her neighbors are sugarcane planters, banana and pineapple plantation workers in their village...

Mr. Sar Phin is an ice-cream seller in Kraing Raong village in Takeo province. Since this business is going well, he wants to sell it door to door so he decided to ask for a loan to buy a motorbike to transport his ice-cream. His wife, Mrs. Som Yang, is a farmer who owns a small piece of land on which to cultivate rice to earn a living...

Meyling is a salesperson of cosmetics and silver and gold jewlery, providing on credit sales to her clients. She started out with money she borrowed and until now things have gone very well, although some clients have defaulted on their payments, diminishing her income. She is 32 years old and she lives in Anexo Villa Libertad together with her two children that are in primary school...

Mr. Bolívar is 44 years old. He resides in the neighborhood Laureles, north of the city of Managua. He and his wife had three children together that are 8,12 and 14 years old. They all go to school. Mr. Bolivar works to support his family and wishes to make improvements to his home because it is made of wood and some of the pieces of the wood are broken...

Mrs. Norn Sok is a villager in Am Pao Prey 2 village in Kandal province. She owns a small grocery store. Her husband, Mr. Shou Sien, is a farmer who owns a plot of land to grow rice. He faces an obstacle because his field is infertile and he does not have rice seeds to plant yet...

Penelope Samu, 45, is married with seven children. She has three years of experience in the shop business. She sells to the general public and villagers seven days per week. She has had two previous loans with SPBD. She expects her weekly net cash flow to be 800 Tala (~333 USD)...

Mrs. Pirout Brak is a 38 year-old mother of three children living in Hang Heng village in Takeo province. Two of her children already attend the local school and the other is not yet old enough. Mrs. Pirout Brak farms rice on her own plot of land and she also raises chickens. Her husband, Mr. Noub Pros, is a teacher in the local school...

Mrs. Cheng Khuon lives in Krang Roung village in Takeo province. She is a farmer who owns a plot of land to cultivate rice. Her husband, Mr. Moeun Vichet, is an ice cream seller. Although they try to work hard, they still do not make enough to provide a better house for their family...

Fayzullo Karomatov lives in the Gissar region. He is 49 years old, married and has four children. He raises cattle and has been in this business for more than 20 years. This business is the only source of income for his family. To increase the headcount of cattle he decided to apply for a loan...

The six women of the Sabougnouma ("the good cause") group of the Benkadi association are all married; their average age is around 44, and they have 5 children on average. The members of the Sabougnouma group live in big traditional extended families in the Massakina neighborhood of the village of Dah, Prefecture of San (Ségou Region, Republic of Mali)...

Mrs. Chanthou Men lives in Prachum Angk Village, Kandal Province with her husband and two year old child. She is a hard working woman. Her husband, Mr. Sok Sohpal (pictured with her), is a policeman. He has difficulty getting to work because he has no vehicle. To solve this problem, Mrs. Chanthou Men is requesting a loan to buy motorbike for her husband drive to work...

Mrs. Ratt Ket is a villager in Khlaung Tvea village in Takeo province. She is a duck breeder. She wants to expand her poultry business to earn more income. In order to deal with this problem, she decided to request a loan to buy more ducks for her poultry business...

Betty works alone rearing cattle, pigs, and poultry. In her cattle business, she has two dairy cows and six cows that she is raising to sell for meat. Her two dairy cows produce 10 liters of milk per day, which she sells at 200 USH per liter to the community around her...
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Huruna has been in the business of supplying coffee beans to factories in Mityana for about 10 years. He sells the beans from his 10-acre operation as well as coffee that he gathers from smaller operations. From his 10 acres, he is usually able to get two sacs of coffee per week...

Sarah makes necklaces and bracelets through a program called Beads-4-life. She has also has a lively bar in Mukono. Sarah has been running her bar for about 10 years, but it was only about seven months ago that she began making jewelry...

Mrs. Edithrudes Nianga is 59 and married, with three children. When she was still in high school, her parents taught her to be more resourceful, finding ways to address her needs. When she got married, she always intended to venture into business and help her husband earn a living. At first, she cooked foods like pork, vegetables, and fish and sold it to their neighbors...

Nasrullo Ismatov lives in the Gissar area. He is 43 years old, is married and has three children. Nasrullo is the oldest son in the family and lives with his parents. His family is large and he needs to work a lot in order to provide for his family. He is a private taxi driver. Nasrullo has a van that he uses as a taxi. His car is currently broken, which keeps him from working...

Hasan Tadjiev lives in the Gissar region. He is 44 years old, married and has four children. He works as a taxi driver. He has a small bus which travels from Gissar to Dushanbe and back. He has been working for nine years. He receives 500 somoni a month as profit. Hasan wants to use the loan to make overall repairs to the vehicle...

The Arca de Noe (Noah's Ark) loan group are three responsible women who want to get ahead. They are also close neighbors who have lots of experience in their daily activities. Here is a description of this group: Señora Lucrecia is 56 years of age and has been engaged for 15 years in the business of selling condiments...

Maria, 26, is married with two children. She has many years of experience in the plantation business. She sells to the general public/villagers 3 days per week. This is Maria's first loan with SPBD, and she will use it to purchase a water hose, pesticides, herbicides, and bush knives for use on the plantation...

Isapela, 37, is married and has three children. She has five years of experience in the plantation business. She sells to the village people and general public three days a week. This is her first loan with SPBD. She will use the loan to buy supplies such as pesticides, gromozones, taro tubes, and bush knives...

Feagaiga Meauli, 32, is married and has six children. She has five years of experience in the plantation business. She sells to the public 3 or 4 days per week. This is her first loan with SPBD. She will use the loan to buy supplies such as bushknives, knife sharpener, digger, spade, axe, gromozones, stings, fertilizer, and weedkiller...

She has 4 previous loan(s) with SPBD. Selepa expects her weekly net cash flow to be 300 Tala (~125 USD). SPBD loans are Selepa’s only access to capital because she was never able to qualify for a loan from traditional banks. Her husband helps out with the production of her ground cocoa...

Elenoa Sione, 38, is married and has six children. She has three years of experience in the fishing business. She sells fish to the village people four days a week. She has had two previous loans with SPBD. She expects her weekly net cash flow to be 350 Tala (about $145 USD)...

Faasipa Fata, 43, is married with 4 children. She has 3 years of experience in the vegetables business. She sells to the village people and the general public 4 days per week. She has received 2 previous loans with SPBD...

Evaga, 39, is married with two children. She has four years of experience in the Pork cake business. She sells to the school, village people and public three days per week. She has had one previous loan with SPBD. She expects her weekly net cash flow to be 100 Tala ($32 USD)...

Lote, 34, is married with one child. She has many years of experience in the pork bun business. She sells to the villagers and public five days per week. She has had one previous loan(s) with SPBD. She expects her weekly net cash flow to be 320 Tala (~133 USD). SPBD loans are Lote’s only access to capital because she was never able to qualify for a loan with the traditional banks...

Rufo, 38, is married with five children. She has three years of experience in the Plantation business. She sells to the village people and the public two days per week. She has no previous loans with SPBD. She expects her weekly net cash flow to be 300 Tala (~125 USD)...

Ropeta Lavea, 38, is married with four children. She has three years of experience in the ice-cake business. She sells to the village people and public six days per week. This is her first loan with Kiva's partner SPBD. She expects her weekly net cash flow to be 350 Tala (about $145)...

Tagoynazar Sadulloev is 34 years old and has two children. He lives in the Abdurahmon Jomi region. He does not have a high education and does animal husbandry for more than four years already. He will use the loan money to buy a couple of young calves...

Our client, Nurullo Ulaev, is a 52-year-old man who lives in the Abdurahmon Jomi region. He is married and has seven children. He completed a secondary vocational school and is a machine operator by profession. He worked in this specialty for 33 years, but after retirement went into raising livestock...

Our client, Xayrullo Ulaev, is a 38-year-old man who lives in the Abdurahmon Jomi region. He is marrried with seven children. He completed a secondary vocational school and by profession is a physical education teacher. Xayrullo has raised livestock for several years, and with this loan he wishes to purchase a pair of young calves...

Abdusattor Ersaliev lives in the Abdurahmon Jomi region. He is married and has eight children. He has been working in the animal husbandry field for 27 years. He buys and sells cattle. He buys young calves, feeds them for about 40 days and then resells on the same markets...

Heriberto is 47 years old, and he is married to Benita who is 46 years old. They have 2 children who attend school. He used to work with his parents buying and selling goods. He does not have the education for a professional career. Thanks to his experience with sales and with his customers, he was able to quickly develop his own branch of sales...

Ana lives in her own home with her husband and daughter on Manuel Jofre street in the Tacagua zone of the city of La Paz. Her husband drives a minibus that he owns, and she makes a living sewing women's underwear, which she displays every week on Garita de Lima street, a commercial center where all kinds of clothing items are sold...

Joumana has been a micro-credit client for seven years now and has always paid on time. Her previous loans helped her improve her shop by diversifying her merchandise, as well as help her financial situation. Joumana's clients are her friends, neighbors and others. When she first started her business, she didn’t have start up capital. She plans on expanding her shop...

Tarek is special because he sells all kind of mobile phones and knows how to treat his clients. His clients can be anybody. When Tarek first started his business, he didn’t have the start up capital. He decided on doing this business because of his experience in the field. In the future, he plans on improving his business...

From 1991 to 1997, her business prospered, increasing the number of sacks to 20 representing a total capital of US$ 600. In 1998, she contracted a bad case of typhoid fever and malaria, which caused a noticeable reduction in her business activities, reducing her capital to US$ 100...