KIVA

KIVA – Loan Justification Your Name:

Potential Recipient URL: [] Name: Sikukuu Omari Country: Kenya Type of Loan: Food

Criteria

1. Risk

Borrower (Credit history/Personal character): Running buisness for 10 years. -responsible, motivated.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating- 3 Delinquency Rate- 2.40% Default Rate- 0.00%

Country Risk (Economic, Political, Natural Disaster) Seasonality challenges. Poor country.

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

Potential for success: Already established, keeping money in community.

Potential for sustainability: Continuing buisness, Versatile products that can be used for many different things.

Potential for regional economic benefit: Dreams of establishing a hotel (employment for others), potential clients are women in the community

3. Borrower

Perceived level of need: Family to support, seems to have basic needs met.

Financial responsibilities/commitments of individual: five children two in school house with runnong water and electricity.

4. Summary Responsible buisnessperson in a poor country.

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KIVA – Loan Justification Your Name: Lynden Miller

Potential Recipient URL: [] Name: Ramon Efrain Country: Nicaragua Type of Loan: Agriculture- Livestock

Criteria

1. Risk

Borrower (Credit history/Personal character): He seems motivated to earn money for his children and seems like a hard worker.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating- 2/5 Delinquency- 0.04% Default- 0.00%

Country Risk (Economic, Political, Natural Disaster) Nicaragua is a relativley poor country and has a good political system but with corruption and hostility, as in most third-world countries. They have volcanoes and minor earthquakes but nothing devastating since 1972.

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

Potential for success: I think this has a good chance of success because he wants to breed and use the cows for milk. Potential for sustainability: He wants to breed cows anduse the profits to expand his crops. He lives in a place known for its good climate and soil so this seems like a good plan for making the money go farther.

Potential for regional economic benefit: He sells cows and milk, plus farms produce so that could benefit the community.

3. Borrower

Perceived level of need: It said he had been misplaced because of war and had to start again to make a buisness.

Financial responsibilities/commitments of individual: Father of three children to put through school.

4. Summary He seems like a worthy candidate for a loan because he seems responsible and seems like he needs it, but for the right reason, his children's education.