KIVA

KIVA – Loan Justification Your Name: Layma Maslova

Potential Recipient URL: [] Name:

Kitsao Chengo
Country: Kenya Type of Loan: Food

Criteria

1. Risk

Borrower (Credit history/Personal character): This is Kitsao's first loan. He seems like a very nice person.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): It has a 3 star rating, and a 0.81% delinquency rate. this partner has a 0.00% default rate so that is really awesome.

Country Risk (Economic, Political, Natural Disaster) The financial situation in Kenya is not good. Many people are in poverty, the country is run as a Republic. There have not been any serious natural disasters in Kenya.

2. Business Plan - [|Small Business Start Ups]

Potential for success: I think his business has great potential for success because it is a vegetable store, and vegetables are a high-demand product.

Potential for sustainability: Since this product is in demand, there is an almost certainty that his business will thrive.

Potential for regional economic benefit: There is little potential for regional economic benefit.

3. Borrower

Perceived level of need: high level of need.

Financial responsibilities/commitments of individual: He has 4 children and a wife for whom he is responsible. His greatest expenses are food and other household items.

4. Summary: Kitsao really deserves this loan because he is the sole provider for 5 people. His business has difficulty during rainy seasons. For these reasons, and also because so many people in Kenya are in poverty right now, I think that our loan should go to this person.

KIVA – Loan Justification Your Name:

Potential Recipient URL: [] Name:

Elizabeth Kazungu
Country: Kenya Type of Loan: Retail

Criteria

1. Risk

Borrower (Credit history/Personal character): She is a widow raising a child on her own. She seems like a great person who really needs this loan. She seems like a really honest person too, and I think she will pay it back.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): 3 star rating. 0.81% delinquency rate and 0.00% default rate. These are great percentages. The partner has done over $1,014,200 in loans so I think that they are trustworthy.

Country Risk (Economic, Political, Natural Disaster) Kenya is financially unstable, however, they do not have many natural disasters.

2. Business Plan - [|Small Business Start Ups]

Potential for success: Her business has a high potential for success.

Potential for sustainability: her business will make sure that Elizabeth will be self-sustained.

Potential for regional economic benefit: there is no regional economic benefit.

3. Borrower

Perceived level of need: High level of need.

Financial responsibilities/commitments of individual: She is a widow raising a child on her own. She needs to pay for her shelter and food.

4. Summary She lives in a house without running water, she is a widowed woman raising a child on her own, but she even managed to send her child to school.