KIVA

KIVA – Loan JustificationYour Name: Kassidy

Potential Recipient URL: http://www.kiva.org/lend/351054 Name: Delia Andrea Country: Ecuador Type of Loan: Food, Food stall Criteria

1. Risk

Borrower (Credit history/Personal character): Self described as 'very cheerful person who enjoys her work and is very supportive of others.'

Field Partner (Risk Rating, Delinquency Rate, Default Rate): 3.5 stars, 0% and 0% Country Risk (Economic, Political, Natural Disaster)

2. Business Plan - [|__Small Business Start Ups__]

Potential for success: Otovalo is a has a huge market, and food places do well. A new stove will increase business by attracting customers. Potential for sustainability: She has had the stand for 3 years, and that means it is stable. The new stove is not a huge risk for anyone, but really an upgrade. Potential for regional economic benefit: Delia is trying to increase her income to send her kids to school, which will help them (and others) in the future. Also, by feeding people, they might stay longer at the market, helping the people selling things. 3. Borrower

Perceived level of need: Without a stove and equipment, she will not be able to continue her business. In Otovalo, which is a market town, presentation is important to stand out and get business. She wants to have the money to send her kids to school, which is very important.

Financial responsibilities/commitments of individual: She has had the stand for 3 years, so she has experience. She has kids, and those are a lot of commitments. She borrowed her original stove, so people trust her. Also, she is going to give back the stove, even though is is not beneficial for her.

KIVA – Loan JustificationYour Name: Kassidy

Potential Recipient URL: http://www.kiva.org/lend/350666 Name: Santos Marina Trajillo de Jara Country: Peru Type of Loan: Food production and sales

Criteria

1. Risk

Borrower (Credit history/Personal character): She has commited to her business for 10 years, and has a daughter. Field Partner (Risk Rating, Delinquency Rate, Default Rate): 4 stars, 1.13% and 0.00% Country Risk (Economic, Political, Natural Disaster)

2. Business Plan - [|__Small Business Start Ups__]

Potential for success: If she has had her business for 10 years, and upgrade in equipment will only help. Potential for sustainability:

Potential for regional economic benefit:

3. Borrower

Perceived level of need:

Financial responsibilities/commitments of individual:

4. Summary