This young man is applying to Kiva for his second loan. The first time, in January 2007, he applied for a loan of $1000. With that loan, he was able to improve his business and increase the number of his clients. He successfully repaid that loan. Etibar is an Internally Displaced Person (IDP) from the Armenian-occupied territory of Azerbaijan, Kalbadjar region, Kilindjli village...
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“I am very thankful to Kiva and Kiva lenders. With the help of Kiva lenders I improved my business. Thank you very much that you increase the loan size to $3000." Vagif is applying to Kiva for a second loan. For the first loan amount, $1000, he applied to Kiva in January 2007. He repaid the loan successfully...
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Rafail is single and lives in the Khachmaz region, in the Ashagi-Zeyid village. He has been in the poultry business for three years. Now he needs a loan of 2,000 AZN to buy poultry for improving his poultry business...
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Ortikboy is a 49 year old man, the father of six children, and a home construction specialist. Ortikboy is the leader of a construction team, and his wife works on a collective farm. He also raises and sells livestock on the side. Ortikboy is knowledgeable about purebred sheep. He has around 30 rams, which are all well bred...
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Chiriuhin Stanislav is a farmer who produces vegetables and fruits. Chiriuhin likes his job and enjoys meeting people and offering them his products. He thinks that the most important thing in his job is acquiring loyal customers. This principle has given him very good results. The business he runs is profitable and the loan he would like to obtain from Microinvest will help him continue his business...
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Soima is 39 years old, married, and is raising 4 children. Her husband is working in Russia, as are many from her town. He sends home money to support the family, but the children are growing and to cover all the expenses Soima has a small business - selling children's clothing and shoes...
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The group "Colquiri" is represented by Henry Ronaldo and is by 12 members. Their businesses include the sale of products like clothing, drinks, groceries, cosmetics, and school supplies and services like informational technology and public transportation of passengers. There is much competition, especially in public transportation with the amount of vehicles on the road and the creation of new routes...
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Mrs. Phùng Th? Th? is 55 years old and lives with her two children in Hùng Vuong ward, in the town Phúc Yên, Vinh Phúc province. She is divorced from her husband. Mrs. Th? has participated in the TYM Fund since 2008. Currently, her son has gone to work as a laborer, while she runs an internet cafe in part of her home...
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Abdushukur Khalokov is 39 years old and has a public transport business. He drives a microbus “Gazelle,” which he bought with a loan from Orienbank. He’s worked in public transportation for two years, and during that time his business has done very well, which enabled him to purchase a second microbus with his own money. He is brigade-leader of route ? 2, and drives one bus while leasing out the other...
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Amriddin is married and has 5 children. Due to the lack of jobs in his town, Dushanbe, Tajikistan, to provide for his family Amriddin started his own business selling sewing machines and supplies (needle, thread, and other small items) about 14 years ago. He has become well-known in his town, and his sales have increased...
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Yamille del Carmen Ñurinda Flores is 37 years old and married. Yamille has two children, both of whom are in school. She has sold plastic products for more than five years. She began this business with very few products to offer her customers. Her sister originally owned the business, but she decided to sell it to Yamille so she would have a source of income...
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Zareth Guadalupe owns a chain grocery store selling various products, and has run this business successfully for three years. Mrs. Zareth Espino and her husband have been making improvements to their house to make their family more comfortable. They are requesting this loan for the construction of a side wall...
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You can see in the picture a person who has improved his business with Kiva's help. In December 2006 he applied for the first loan amount of US$ 1000. Sarvat repaid this loan successfully. Now he needs a loan of 2000 AZN to open a second shop, where he will sell home appliances. He has a lot of customers and he needs help and that is why he would like to take on an employee...
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Leluna has owned a small charcoal store in the Ilala neighborhood of Dodoma for five years. She is part of the Kondoa group loan. She currently earns an average monthly profit of $175. Every day she works at her business for 12 hours. She is requesting her first loan from BRAC Tanzania so that she can buy more charcoal to sell in order to improve her business...
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Kossi Wemegan, age 34, is married and the father of one child. He's a motorcycle taxi driver in Womé. He has been running this business for 3 years, but with a motorcycle that he doesn't own. With this loan, Kossi hopes to buy his own motorcycle. This will enable him to improve his saving, in order to support his family...
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Massan Ameganvi, age 49, is married and the mother of 5 children. She's been reselling red oil (palm oil) for 10 years in Womé. She gets her supplies from producers, and resell them in Lomé, the capital. With this loan, Massan hopes to revitalize her business by buying more red oil, and by renting a store for stocking her goods...
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"My name is Rasoolan and I’m 45 years old and married. I have resided in a city named Lahore, Pakistan for the past 10 years. I am married to a man whose name is M. Iqbal and he is a ticket checker in the railway. I have two kids: one son and one daughter. My son manufactures plastic bags. My daughter reads in 8th standard...
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"My name is Akhtar and I have resided in a city named Lahore, Pakistan for the past 10 years. My husband's name is M. Riaz and he is involved in a catering business. He has been doing this work for the past 5 years. I am the mother of one son who helps his father in his catering business. I manufacture plastic bags...
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Kouma Toko, age 39, is married and the mother of 2 children. She owns a grocery store in Womé, a village located in Southwestern Togo. With this loan, she wishes to bolster her business, by supplying her store with new products. She counts on this opportunity to improve the living conditions of her family...
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Kossi Adza, age 29, is unmarried and without children. He owns a phone booth in Womé, a village located in Southwestern Togo. With this loan, he hopes to bolster his business, by buying and reselling phone recharge cards, and also by opening a new phone booth to be run by his brother...
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Shama begum baji is 35 years old, a married lady and a citizen of a city named Lahore, Pakistan for the past 20 years. Shama baji is married to a man whose name is M. Humayun and he is a ticket checker in the railway. Shama baji is the mother of three kids: two sons and one daughter. All of her kids are getting an education from a school which is located near their house...
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Rubina Iqbal baji is 43 years old and a married lady and citizen of a city named Lahore, Pakistan for the past 10 years. Her husband's name is Raza Yousaf and he drives a local 32-seat bus. Rubina baji is the mother of one son whose name is Mosa Raza and he reads in 4th standard. Rubina baji runs a beauty salon in her house...
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Kosar bano baji is a 29 year old married lady who has lived Lahore, Pakistan for the past 28 years. Kosar baji is married to M. Nadeem, who has a decorative embroidery business. He prepares embroidered dresses and sells them at the clothing markets. Kosar baji is the mother of three children: two sons and one daughter...
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Razia baji is a 39 year old married lady and citizen of Lahore, Pakistan for the past 40 years. Razia baji married a M. Ilyas, who drives an auto-rickshaw (a local three-wheeled motor vehicle) and has 5 years of experience. Razia baji has six children: three sons and three daughters. Her elder son has a utensils selling business...
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Tasleem baji is a forty-nine-year-old married lady and has been a citizen of Lahore, in Pakistan, for the last twenty-one years. Tasleem baji is married to a man named M. Mansha who is a watchman at a local school earning a monthly wage. His earnings are very little which forced Tasleem baji to find work, so she operates a sewing business...
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Parveen akhtar baji is a forty-seven-year-old married lady and has been a citizen of Lahore, in Pakistan, for the last ten years. Parveen baji’s husband, M. Khalid, has been in the scrap business for the past six years. Parveen baji is the mother of four children - three sons and one daughter. Her sons are involved in their father’s scrap business...
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Bushra razaq baji is a 36-year-old married lady and a citizen of a city named Lahore in Pakistan for the past 14 years. Her husband, Razaq ahmad, has been an auto-rickshaw (a local three-wheeled motor vehicle) driver for the past five years. Bushra baji is the mother of five kids: three sons and two daughters...
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Mukhtaran baji, the wife of Malik M. Ramzan, has lived in Lahore, Pakistan for the past 30 years. Mukhtaran baji is the mother of three sons, all of whom work in a factory for a monthly wage. Mukhtaran baji sews clothes. She charges $2 per dress. Her husband has operated a scrap business for the past 10 years...
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Kishwar baji is a 25-year-old married woman who lives in Lahore, Pakistan. Kishwar baji’s husband, Mubarak Ali, has been selling construction supplies for the past 10 years. Kishwar baji is the mother of four children, two sons and two daughters, who are all enrolled in school. Kishwar baji sells bed sheets to her neighbors...
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Kasozi David is the leader of the Gamba group in Lugazi. He is a fisherman on the Senyi landing site in Bbogo. He is happy that ever since he joined his lending group, life has changed. He is able to run his business, he has a farm where he grows food both for sale and for home consumption, and he is able to have his boats serviced when the need arises...
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Rani baji is a 39-year-old lady and a citizen of Lahore, Pakistan for the last 22 years. Rani baji’s husband is Nazir hussain. He manufactures car seats and sells them in the market to earn a profit. Rani baji is the mother of one son whose name is Waqas. He is involved in his father’s business. Rani baji operates a business selling bed sheets...
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Shahnaz akhtar baji is a 52-year-old married lady and a citizen of Lahore, Pakistan for the last 21 years. Shahnaz baji is the wife of Riaz hussain who is a carpenter by profession. Shahanz baji is the mother of four kids: two daughters and two sons. Her sons are painters and paint houses and windows...
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Khursheed baji is the wife of Mahtab ali. She has been a resident of Lahore, Pakistan for the last 15 years. She is an uneducated lady because her father had little financial resources. Khursheed baji’s husband is a painter and sells paint. Khurhsheed baji has no kids so she mostly spends her time sewing clothes...
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Kudzo Koffi, age 35, is married and the father of 2 children. For 3 years, he's been running a grocery store in Womé, a village located in Southwestern Togo. With this loan, he wishes to increase the capacity of his store, by purchasing new products to better meet the needs of his clientele...
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Kudzo Kotogbor, age 29, is unmarried and without children. For two years, he's been driving a motorcycle taxi in Womé. He started this business after getting his high school diploma, because he lacked support to carry on with his studies. With this loan, Kudzo wishes to buy his own motorcycle in order to make a better living...
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Kossi Landzekpo is a young man, 32 years old, married, and the father of a little boy. He drives a motorbike taxi, or moto taxi, in Womé. He hopes to use this loan to buy a new moto, given that the one he has been using no longer meets his expectations. With this new moto, Kossi will be able to perform his work better, so as to save more money in order to provide for his family...
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Ama Konde is a young woman, 39 years old, married, and the mother of three children who are all in school. She is the owner of a shop selling grocery items in Womé. She would like to use this loan to expand her commerce by buying goods for supplying her shop, so as to respond better to the needs of her family...
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Petra began her business because she needed extra income to help her husband with family expenses. She started to operate in 1998 selling soft drinks and fried snaks from her home. Now she has a larger and better stocked store. She needs 4000 pesos, which she will pay back in 10 bi-weekly installments, to buy merchandise that will allow her to increase her store's inventory...
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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...
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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...
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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...
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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...
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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...
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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...
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This is a gentleman who is a mason by training. But since he is not finding regular places to work, he got started in other work, making screens and trellising, balusters, and flower pots for resale. This businss brings in a lot, aside from his masonry. But right now, he lacks sufficient cement, sand, and iron rods to make his products...
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Selling charcoal is very profitable in Lomé because it's used a lot for Togolese cooking. Ms. Bouraïma therefore got started in this business in 2005. She sells charcoal wholesale and retail in the area around her. She is the only one in this business. Right now, the inventory of charcoal she has doesn't allow her to respond to the demands of her customers. She's asking WAGES for her first loan to buy 12 sacks of charcoal...
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Charlotte Lusamba sells spices, palm oil, and refined vegetable oil, rice, beans, soap, etc... She currently has $227 in capital. Her business generates a profit of $110 per month. She started her business by selling 20 loaves of bread which was equivalent to $2 in 1997. From 1997 to 2002, her capital went from $2 to $100...
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Ms. Awa SENE has a business selling soap and powdered laundry soap. She is an elderly woman who lives in Diourbel, a small rural city located 150 km from Dakar, the capital of Senegal. She has been in this business for eight years, so she is very experienced in this field. She is married and has children...
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A resident of the Aagoè Minamadou district, Ms. Adjavou Lissassi works in the restaurant business. Her speciality is rice plates. There is a primary school in her district. During breaks, the students come to buy from her. Also, young unmarried people in the area have gotten into the habit of having lunch at her place...
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