Harriet Nalwadda is the chairperson of the Sikyoomu women’s group in Katosi, Lugazi. She is 38 years old and divorced. She lives with her three children in Katosi. Harriet has a retail shop that she has owned for 10 years. When she restocks her shop, she buys from the wholesale shops in Katosi so she does not have to incur more transportation costs...

Fred Manina is a hard working and ambitious young man of 31 years of age He is the leader of the Kamu kamu women’s group B in Kayunga. Fred has had a wholesale food shop in the Bukeeka township of Kayunga for 10 years. He is married and has three children (ages 10, 5, and 3) who are all in school...

Florence Antwiwaa is a 32-year-old married woman with two children. To earn a living, she has been a trader for the past seven years; in particular, she sells used clothes in the local market of Tema. With income from her business, Florence is able to support all of her children in junior high school...

Mr. Gueye, age 43, is a chauffeur, married, and a father of a family. He has been raising poultry as his other work for three years. At his home, he has built a chicken coop for raising fryer chickens. Each morning before going to work, he takes care of the hens. And during the daytime, his eldest daughter take over for him. He is requesting a loan to bolster his business...

Marline Garmillos, dried fish dealer and 32-year-old entrepreneur whose husband is a tricycle driver from Surallah, South Cotabato, never stops doing business to be able to send their 2 children to school...

Ndathé, age 45, is married and has ten children plus two others to look after. She has been a member of the village loan group CESIRI for a year and a half. She wants to bolster her business in dyed fabrics (Ganila, first choice and second choice). She also sells beauty products. Her income enables her to care for her children and to equip her house...

For the last year, Rostislav has been investing his time and finances into developing his small business in Ivano-Frankivsk. He offers purified water supply and delivery services. Gained experience has equipped him to be a very successful entrepreneur. His business has grown to the point where he has been able to invest about 10,000 Grivnas in turnover capital...

Ludmila is married with one son. She is a Technical school graduate and worked for a while as a design engineer, but was unable to earn a stable salary. Seeking another source of income, Ludmila decided to start her own small business. She rented a kiosk and began selling household chemicals. Recently, however...

Tanya is married with a son. She is an entrepreneur from Novomoskovsk where she works in the local bus station, selling interior doors for 2 years. She is characterized as an entrepreneur of integrity by her fellow vendors. Tanya has about 2,000 Grivnas in income. Some of Tanya's other characteristics are her consistency in customer service...

Mrs. Farda is married and the mother of two children. She sells maize in one of the Lome suburban areas called Agoe Assiyeye. This is her primary source of income so she can take care of her children as well as complete her own education. Her business is currently flourishing, especially as it nears the end of this year...

Yaa Asantewaa Amoah sells clothing and fabric at Elmina. She has received a primary education. Yaa Asantewaa is a single parent with 4 dependents, and she is responsible for providing the basic needs of her family...

Esther Dingo is married and has two children. She has received schooling through junior high. Esther sells groceries like biscuits, sugar, Milo, milk and other items at Adakope near Shama, which she has done since 2002. Her husband is a military officer. Esther uses her income to assist her husband in providing the basic needs of the family...

Señora Johanna is 24; is married; and has two beautiful children, who are 6 and 5. One of them goes to school in their neighborhood. Her husband works in a market in the capital, which is called the oriental market. He has his own hardware store there. Doña Johanna has had a grocery store for 3 years...

Catarina Rossana Sambo is a native of the Xinavane district of Manhiça. She is 45 years old, married, and the mother of 3 children with ages 29, 27, and 25 respectively. None of them are students. Besides her children she also supports stepchildren. Catarina attended school until the 7th grade. In 1978 she left Xinavane for Boane for a service mission...

Angélica Bernardo Ngale is from the city of Maputo. She is 38 years, widow and mother of 2 sons (13 and 16 years old respectively) whom she supports. Angelica attended school up until the 5th grade only because she got pregnant and had to move to her own place. She always lived in the same city with her parents before getting pregnant...

Virgínia João Houwane is from the city of Maputo. She is 36 years old, a widow and mother of a 6 year-old son. Also living with her are her mother and a sister - she provides for both of them as well. Her father's passing when she was very young created financial difficulties for the family, and Virginia had to drop out of the school while on the 8th grade...

El Somoul, 64, is a true entrepreneur who has business as a tailor in his home. He resides with his wife and six children in Phnom Penh, Cambodia. He typically makes US$10 in revenue a day. His wife, Sem Mit, 53, works selling groceries from home and is able to generate about US$3 a day...

elissa Mandaya, 31 years of age, is a dynamic and hardworking mother of three children in Barangay Biasong, Lopez Jaena, Misamis Occidental. Melissa was a working student in college. After graduation she married Elmer Mandaya, a fisherman. Since her husband’s income is not enough to meet their daily expenses...

This three-member loan group is led by Mrs. Sryrith Cheut, 23, a mother of one and a public gardens maintainer for a small private company in Battambang Province. She currently earns a salary of $80 per month while her husband, Mr. Sokha Ly, 26, works as a motorcycle taxi driver...

She started her business six years ago. Antonina believes that offering high quality products and having exceptional customer service is a win-win strategy for both her customers and herself. The best proof of this is her clients that keep coming back to purchase more goods. With her business, Antonina's gross income increased to 3800 UAH per month...

Antonina is married and has no children. She sells clothing and shoes at the central market in Ordzhonikidze. She started her business six years ago. Antonina believes that offering high quality products and having exceptional customer service is a win-win strategy for both her customers and herself...

Susette Arong is a 29-year-old married woman blessed with three children. She is a member of Paglaum Multi-Purpose Cooperative (PDP-LP) and belongs to Lovely 1 Center in cluster 7 presently residing at Unidos, Plaridel, Misamis, Ocidental. She took out a loan for a small sari-sari store project...

Beauty Arewa is 30 years old and married to Mr. Arewa. They have 3 children. Beauty has a bar where she sells pepper soup and all kinds of drinks, to custumers that patronize her. Beauty hopes to expand her business. She needs the loan in the amount of N102,000 to purchase more pepper soup ingredients and drinks to sell...

Daniel Oyarekhua is 24 years old and single. He sells frozen foods like chicken, fish and turkey. He is a LAPO client. Daniel has a cool room where he sells his frozen foods. The festive season is fast approaching and the demand for his frozen foods will be high. Daniel hopes for the loan amount of N140,000 to purchase more frozen foods to sell...

Gafurov Abdulla is 43 years of age. Since he was young, his father taught him to work on the land where together they produced wheat, corn and different kinds of vegetables. This type of business constitutes the economic base of the settlers of Shahrituz due to the characteristic botany of the zone...

Rita Kpodo is 42 years old. She is a wife and mother of three children. Currently all the children are in school. Selling for the past ten years, she has gained lots of experience in her business. She treks to farming communities to buy her stock of maize from the farmers. This saves her from middlemen who buy from the farmers and resell to her at a higher price...

Samir Naboulsi is a 49 year-old man living in Bourj El Barajneh, in the suburbs of Beirut. He is married and has four children. During the July war in Lebanon in 2006, Samir lost his sewing factory. Since then, he has been working as a taxi driver to support his family. Today Samir wants to borrow $1200 to change the tires of his vehicle as well as perform maintenance on his taxi...

Patricia sells bags of garri (cassava). She started this business in 2007. Before then, she was involved in petty trading, but she was not making enough profits and had to switch over to the garri business. Patricia needs the loan amount of N60,000 to purchase more bags of garri to sell. She is 35 years old and married with 5 children. She and her family live in Benin City, Edo State, Nigeria...

Kurbonov Uljaboy is 48 years old. He is married with 5 children. Uljaboy is an optimistic, hardworking father. He works his land with love and dedication every day, so that it produces excellent vegetables. Uljaboy has been in agro-business for more than 8 years. In fact, he draws strength and vitality to make his products the best in the city...

Iskandar is one of the most hard-working young men in the area where he lives, which differentiates him from other local residents and makes him stand out as a well-respected and very important member of the community. Farming requires a lot of effort, which is why from a young age...

Usmonov Hasan is a 38 year old man who lives with his wife. He has always worked in agriculture, and since his marriage, he has put his experience to work in the fields so that he and his wife might achieve well being in their family. Their jobs take up most of their time every day, and require plenty of hard work, but they enjoy it...

This group of welders is organized by Ansoumana Sarr. Located on Boulevard 54m in Tiléne, they manage to get a lot of different work done. They are asking for this loan to bolster their working capital and buy iron...

Anna is married and has one child. She runs a small business selling clothing at the central market. She started this business about a year ago and it is financially profitable. Her working capital is 30,000 UAH and her monthly income is 2,900 UAH. Anna decided to get involved in this particular business because she saw a good opportunity...

Volodymir is married and has two small children. A few years ago, he was laid off and couldn’t find a job. He decided to invest his savings into a small business: using his car as a taxi. Volodymir helps his clients get around, not only within the city limits but to other cities as well...

Lubov is married and has two daughters. She is an entrepreneur from Mukachevo, Ukraine. Lubov sells vegetables and fruit at a local market called “Green Market.” Her merchandise is affordable and of very high quality. Lubov started her business venture six years ago because she couldn’t find other ways to support herself and her family. Today...

Irina is married and has no children. She sells womens' clothing at the central market in Melitopol. Since she is the owner, she can keep prices low to attract many customers. Irina has been in this business for two years. Her relatives were very supportive and helped her business grow. Irina was able to increase her monthly gross income to 10,000 UAH...

Valentina is married and has two grown children. She owns a little kiosk at the central market in Melitopol City. She sells various types of clothing. Some of the advantages of her business are: variety, consistency, and affordable prices. Valentina has been working in this business for eight years...

Maria Kelly is the representative of this group called "luz en la tiniebla". She was chosen because she is a very hardworking lady and is a perfect example of the type of person microcredit tries to work with. She is living in extreme poverty and trying to provide for her five young children. Each child is under the age of 16....

The ecovillage of Mboumbaye is located in the Saint Louis region 300 km from Dakar. The population of Gandiol is about 13,968 inhabitants. The principal economic activities in the area are: commerce, fishing, truck farming, farming and extracting salt. However, due to the climatic decline and anthropogenic phenomena, the level of decline and disruption is felt by the entire community....