She is 26 years old and has 2 children and lives with her partner who is a construction worker. She feels successful on her personal life, because she is currently studying clothes at the occupational center of Monterrey en Huaraz. She sells small animals she buys in the town and she also sells beverages and food at her sister’s kiosk...
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Erick Manuel is 29 years old and lives in the Concepcion with his mom and brothers. He is very hard working, works in a farm and at company to help his mom and brothers. His father helps him on the farm, so he can go to work. Erick would like to create another block of pineapple...
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Giovanny belongs to the community bank of Senor del Cautivo II, district of Independence, and department of Ancash. Giovanny is 38 years old, she lives with her husband and 2 children. They both started a business with a small investment, that now has about S/.10,000 of investment...
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Carina is a member of the Covadonga Village Bank. She is 32 years old and lives with her partner and their child. She sells a variety of puddings made with purple corn, rice and pumpkin from a mobile cart each day in the Magdalena Market which is located in the center of the city of Ayacucho...
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Stella is 40 years old and married with 2 children. She hopes to meet the demand of her customers. She is a LAPO client. She is requesting the loan amount of N50,000 to purchase more foodstuffs to cook and sell to her customers. She says thank you to all who make this loan possible...
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Ms Saturnina is a very good customer of this institution. She lives in the city of El Alto, Bolivia, in a simple and small home which has all of the basic sanitary needs. She lives with her small school aged son, who she cares for with plenty of love and affection, as she is now a single mother...
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Susana is 62 years old, lives in Villa Venezuela del parque ocho andenes al sur, in the capital Managua. She has 8 children: 4 girls and 4 boys. Four of her children are married and live on their own; her other children work and help their mother. Susana has owned a beauty salon for the past 17 years, which she started with her own efforts and which has allowed her to raise her family...
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Luz is 36 years old, lives in a neighbourhood called 14 de Febrero, has three children aged 7, 15, and 17 years who are students. Her husband works as a general accountant in a private company. Luz owns a store and has sold clothes, shoes, and cosmetics for the past 5 years. She started her business with a loan which she financed elsewhere...
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Heyvagul Qakhramanova, 41, began raising cattle in southern Azerbaijan in 1994 when her husband lost his job, leaving her family without any means of subsistence. Taking the situation in hand, she borrowed money from friends to purchase two calves, and in less than six months was earning a stable income...
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Sandra Acosta is a perfect example of the effects of micro-credit. Sandra came to Esperanza International with no income and three kids to feed with her husband's tiny income. She came hoping to receive a loan and start her own business. She received a small loan of 5,000 pesos which is approximately 150 USD...
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Cecilla Luis is a Esperanza International borrower who is hoping to receive her seventh loan. She has a small business selling her artwork, being a very talented painter. She has two young children and lives in an extremely poor area in Seybo, Dominican Republic. Before she began this business selling her artwork, Cecilla had a really hard time providing for her children...
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Mr. Hannz Eliazer Bellanger is 25 years old and lives at kilometer 5.5 on the Masaya highway along with his wife and children. His wife works to contribute to the household expenses, as they have two children, one in third grade and the other who is 2 years old. Hannz has his own business raising and cutting up pigs...
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Ms. VIEFE-AKOU, born on March 10, 1974 in Lomé, lives in the Agoè Logogomé district there. She is divorced from her husband Mr. Kwaku Tovienyekpo GUMEDZUE, a school teacher. They have two children. Since 1998, Ms. VIEFE-AKOU has had a shop in the district where she does commerce in groceries...
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Gladys Lasisi fries bean cakes, popularly known as akara in Nigeria. She is requesting this loan to purchase more groundnut oil, beans, and pepper to fry more bean cakes to sell to her numerous customers. She says thanks to all Kiva lenders for their financial support...
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Mrs. Saray Ang is a villager in Prey Chhoeur Teal village in Takeo Province, Cambodia, where she owns a small grocery store. Her husband, Mr. Bo Sitha, is a worker. Their two incomes together are less than what they need to provide better conditions for their household. In order to improve her living conditions, Mrs. Saray Ang decided to ask for a loan to buy two cows for breeding...
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Eleven people from Tuol Tbaeng village in Takeo Province have grouped themselves for a village bank loan and Mr. Boy Uk is the village bank president. He is a bicycle repairman. His wife, Mrs. Heng Sothea, is a fish breeder. Since her business is going well, she wants to expand it and Mr. Boy Uk decided to ask for a loan for his wife to buy fish for her breeding business...
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Meach Aun is 37 years old. She is rice farmer who also raises pigs for sale. She is married and started the business with her husband in 1979. She has three children, all of whom live in the family home. One daughter is a garment worker and two help farm rice...
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Mrs. Yon Orn, 58, is a resident of Preyngy Commune in Pursat Province. She sells groceries and ice-creams for kids, and has been doing this for a long time. She is married with five children; four who are in school, and one who is married. Her husband, Mr. Yem Norin, aged 61, is a national lottery agent who gets commission from the company to sustain his family's needs...
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Ten people in Kroay Wat village in Kampong Chhnang Province have formed a village bank loan group. Mrs. Oeurn Sun is the village bank president. She is a Khmer noodle maker and she sells her noodles in the local market. Her husband, Mr. Phart Sak, is a farmer who owns a plot of land on which he cultivates rice and breeds cows. Since his breeding business is doing well, he wants to expand it...
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My name is Musarat and I reside in Lahore, Pakistan. I have been living in this city for the past 14 years. I completed my education until the 8th standard and couldn’t study further because of my father’s low income. My husband's name is M.Tahir Baig who has a decorative embroidery business...
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My name is Rubina and I have lived in Lahore Pakistan for the past 25 years. My husband name is Ashiq Maish, who has owned a scrap business for the past 18 years. I have five children: three sons and two daughters. I make embroidered dresses and sell each dress for $2...
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Mumtaz baji is a 41 year old married woman and resides in Lahore, Pakistan. Her husband, Barkat ali, is a painter by profession and sells paints as well. Mumtaz baji is the mother of three sons. For the past 20 years, Mumtaz baji has been a seamstress and sews clothes by taking orders from her neighborhood...
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Mr. Koffi GBAGUIDI, born in Atchanvé in Zio Prefecture, is divorced from his wife Adjo ANGLO with whom he had one child. He lives in the Agoè Kitidjan district and does commerce in grocery items. His supplies come from the Agoè Atchanvé marketplace and are sold retail to customers of that area...
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Ligia Blandon Guevara is 39 years old and lives in Juan Ramón together with her husband and children. Her husband works in transportation in order to help with the household expenses. The plans for the future include improving the standard of living of her children...
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Tessy sells clothes. She is 28 years old and married with one child. Her husband is a commercial motorcyclist. The demand for her clothes will increase during this festive season. She needs the loan amount of N50,000 to purchase more clothes to sell. She is indeed grateful to all who make this loan possible...
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Beatrice Emonor sells foodstuffs and provisions. Beatrice is a LAPO client. She needs the loan amount of N50,000 to purchase more provisions and drinks to sell. She is 56 years old and married with 8 children. She says thank you to all that make this loan possible...
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Carmen Beatriz is an enterprising young woman who has found the opportunity to do business without neglecting the care of her home and her small son. She sells women's sweaters and traditional clothing. She buys the clothing wholesale in the capital and then sells them to neighbors, friends and fellow church-goers near her home in the Cruz Blanca village near the city of San Juan Sacatepeques...
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children, 2, 18 and 20 years old, respectively. Two of her children are studying in Managua. She plans to continue supporting her children's schooling so that they can prepare themselves for a better future. Marlene makes a living selling various products: cosmetics, perfumes, etc. She's operated the business for six years...
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Felipa is requesting financing for her third loan to finish building a bedroom. She has worked as a caretaker at the Jacinto Hernández Hospital for the past 19 years. She is a single mother of two children. Her older child is 16 years old and in the 3rd year of secondary school and her younger child, a daughter, is ten and in the 4th year of primary school...
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Eyvaz Huseynov is 55 years old and lives with his wife and five children in the southern part of Azerbaijan. He supports his family by raising cattle, which he sells to a butcher shop in the local market after fattening them to the desired size over the course of six or eight months...
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This group consists of five young women who have decided to change their lives by improving their small businesses with the first loan they’ll receive from FSMA. The group leader, Maria Isabel, still attends public school and she’s the mother of 3 children. Los Pomos, the community where Maria Isabel lives, is totally consumed by poverty...
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Valentina, the leader of this group, is an active and optimistic woman who has been able to maintain her family by selling used and new clothing. She lives in Los Pomos, a very needy community located in Cotuí, in the central part of the country. Her husband produces and sells cassava bread...
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Mrs. Choeun Dy, 53, is a widow with two daughters, one married and living outside the family home and the other a weaver. The family lives on an island of the Mekong River about 15 kilometers from Phnom Penh...
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Mok Sour, 56, is married and lives with her child in the Kampong Cham, Cambodia. Since 1993, she has been selling groceries to earn a living, making US$5 per day, while her husband, Long Yen, 59, makes US$2.5 per day growing rice on a plot of farmland. Weather conditions this year have been difficult for farming in Cambodia, and inflation has caused food prices to skyrocket...
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Chrek Thea, 38, is married and has three children. The family lives in the Kampong Cham province, Cambodia. Chrek Thea earns income selling grocery items and raising pigs. She makes about US$11 per day, while her husband, Sut Koy, 41, works as a tractor driver, making around US$5 per day. At present, Chrek...
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Hilario was born in Inhambane and is 34 years old. He studied until the 11th grade. He is married and the father of 3 children: the first is 8 years old, the second is 5, and the youngest is a new born of only 2 weeks. The two oldest kids are students. Hilario left Vilanculos for Beira with his parents who were in the miltary when he was only 2 years old...
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The Juan Pablo II focal center is located in the city of El Alto, and in this center the association “Wally Suma” (which in the Aymara language means “Rich Enough”) meets. As most are married with an average of four children, the association members have found it necessary to have their own businesses which allow them to provide daily income for their homes...
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Mrs. Vilma lives with her daughter in her in-laws’ house on Ángel Dávalos Street in the Alto San Pedro district of La Paz city; she sells products from the beauty line Yambal and the Bata catalog. With this work she supports her daughter and covers food and school expenses, since she has been separated from her husband for many years...
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Mr. Mario Mamani lives in his own house in the Liman Pata district, located outside La Paz city, with his wife Mrs. Graciela Tincuta and their four children. Mario works as a public transportation driver in La Paz city and his wife makes empanadas, which she sells from a cart...
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There are five borrowers in this group, all residing in Somroangknong Commune in Battambang Province. Mrs. Hong Sovannara, 25, owns and runs a small store at the local market selling vegetables. She earns money to sustain her family and pay school fees for her young child...
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parents were farmers and when she married, she also grew a few hectares of potatoes. When a crop failed because of heavy rains and frost, she decided to quit farming and sell meat instead. At first, she worked as a street vendor; later, she bought a market stall, a much calmer endeavor...
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Charito is 33 years old and lives with her partner and her two children who love her very much. She has sold groceries from her home for the past 3 years. What she likes about her work is giving good service to her customers, who feel satisfied with the attention she gives them...
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The Pedro Lorenzo group is represented by Mary Luz. The members who make up the group are people who know each other from the neighborhood. All of them guarantee and promise that they will repay the total loan punctually. All of the members are dedicated to selling different products such as clothing, cosmetics, cooking, food, refreshments, kebabs, fruit, candy, sodas, and groceries...
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Hanaa is a 49-year-old woman who lives in Bourj el Barajneh, in the southern suburbs of Lebanon with her husband and their two children. Hanaa has been working as a hair dresser for ten years. She is requesting a loan of $1000US from Al Majmoua in order to pay her medical treatment expenses. This is her third loan and she has always paid on time...
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Mambo (Greetings!) from Tanzania! This is 28-year-old Koletha Mwansumbule from Kyela. She is married with two children, ages 9 and 10. Koletha has been running a butcher shop since 1997. She works at the business for 9 to 12 hours per day, 6 days per week and is assisted by her husband. She is requesting a loan of 400 USD in order to purchase more cows to butcher...
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Julio makes a living working as a cook in a well-known restaurant in his city and also makes his own meals to sell for extra income. He is requesting this loan to finish replastering the walls of his home since he wants to welcome visiting family members in a more friendly home and for them to feel comfortable this Christmas...
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Victor Alfonso Marina and his wife have a daughter, to whom they want to give the best. Currently, they are in the process of adapting each area of the house to live more comfortably. With their savings, they have constructed two rooms, but they still need to finish them. The next step is to put down the flagstone...
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Mrs. Ph?m Th? Lan is 43 years old. She's been participating in the TYM Fund since 2003. She put her first loan of 1,000,000 VND towards raising livestock and a small business. She has had success with the borrowed funds and now is the owner of a clothing store...
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Elshad Najafov is a 20-year-old enthusiastic and ambitious young man who is already the owner of a small store. He finished studies in the economics faculty but after graduating, it was very difficult to find a job in the area he lives. He borrowed money from his father and purchased some cosmetics inventory...
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Khalil is a 48-year-old married man with four children. Living in Baalback, Khalil has been trading used cars since 2000 in Zahleh area. Working on a very small scale, Khalil can only afford to trade one car at a time. He recently purchased a car with good selling potential; however, it needs maintenance. He is therefore requesting a loan of $1000 to buy the spare parts he needs to repair the vehicle...
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