Kiva

KIVA – Loan Justification Your Name: Megan Letham

Potential Recipient URL: http://www.kiva.org/lend/342141 Name: Henry Ngugi Country: Kenya Type of Loan: Clothing/Sales

Criteria: 1. Risk Borrower (Credit history/Personal character): He has had 2 other loans that have been successfully repaid. He is 26 years old, and married.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): KADET Ltd. 3.5 stars for Risk. 2.78% Delinquency. 0% Default.

Country Risk: (Economic, Political, Natural Disaster) Kenya is off the coast of the Indian ocean, BLAHBLAHBLAH

2. Business Plan - [|Small Business Start Ups] He wishes that with this loan he can buy more clothes for his business stock, and with anticipated profit, wishes to expand it. His hopes and dreams are to open a boutique shop that will give him good income and improve his family's standards of living.

Potential for success: He has repaid his 2 other loans from Kiva, and has a monthly income of 15,000 Kenyan shillings, or 150 dollars.

Potential for sustainability: He has a pretty good business currently and wishes to further expand and profit from it, for a better life for his family.

Potential for regional economic benefit: BLAHBLAHBLAH

3. Borrower Perceived level of need: I'd say about 75%. He is not in DIRE need of this loan, but he seems like a very determined, and hard working individual, who deserves a chance for his family's living conditions to improve.

Financial responsibilities/commitments of individual: He currently provides for himself, and his wife. They hope to someday have children.

4. Summary Henry is a 26 year old business man, he is married to his wife Irene, and doesn't yet have children. With this loan he wishes to improve his living conditions and expand his business. He wishes to someday have a boutique shop and good income. He has had 2 other loans via Kiva, and both have been repaid, and in good time. __


 * 2!!

Potential Recipient URL: http://www.kiva.org/lend/348814

Name: Maryseller Kadenyi Country: Kenya Type of Loan: Food/Restaraunt

Criteria: 1. Risk Borrower (Credit history/Personal character): She is 29 years old and married with 1 child. She was introduced to the field partner by a group of registered clients with KADET Ltd. She is applying for her 4t loan, and the other 3 have been successfully repaid and in plenty of time.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): KADET Ltd. 3.5 stars for Risk. 2.78% Delinquency. 0% Default.

Country Risk (Economic, Political, Natural Disaster) BLAHBLAHBLAH (SAME AS ABOVE)

2. Business Plan - [|Small Business Start Ups] She wants to use this loan to buy stocks of sugar, wheat flour, and maize flour. She has operated the restaurant for the past 2 years, with monthly profit of 15,000 Kenyan shillings. With the anticipated rise in profit, she plans to pay her child's school fees, and save the rest. In the future she hopes to be financially stable, and have a thriving business/restaraunt.

Potential for success: She has had 3 other loans, all successfully repaid, and seems like she is very determined.

Potential for sustainability: She has a good restaurant, and hopes to expand on her restaurants' profits.

Potential for regional economic benefit: Her business is a restaraunt and provides food for people who live in this 3rd world country.

3. Borrower Perceived level of need: She needs this loan so that she can improve her restaraunt and get more money to save, and for her kid's schooling.

Financial responsibilities/commitments of individual:

4. Summary