The Mercy Foundation helped fund a microloan for Genara, a local shop owner in the Philippines.
Here is Genara’s Story
Genara is an experienced entrepreneur. She lives in Compostela, Cebu, Philippines and is married with one child. At 61 years old, she is still determined to work hard and provide for her family and their needs. Her general store has been in operation for more than ten years, and she wants to elevate the stock that she has available. For this, she has chosen to source a loan from the Negros Women for Tomorrow Foundation (NWTF).
She made the decision to contact NWTF for some financial assistance so that she could elevate the stock in her shop and earn more. She applied for a loan of 20,000 PHP. She has a good history with the foundation, having already taken out six loans and paid them back in full as required. She intends to purchase biscuits, noodles, detergent soap, shampoo, candies, soft drinks and so on, so that she can sell them.
Like the loans that she had received earlier, Genara’s loan was locally administered by the NWTF, a non-governmental organization and Kiva partner. This organization has one main goal linked to micro finance. This goal is to make sure that the low income families of the province of Negros Occidental become financially self-reliant. They are able to facilitate loans to meet the needs of a host of different micro-entrepreneurs including additional services like life insurance policies, livelihood workshops, dental and medical missions, and microfinance services.
Through the Kiva lending platform and the NWTF, the Mercy Foundation chose to provide full funding for Genara’s loan. All these organizations have the same goal so when they work together as Kiva, Mercy Foundation and the NWTF. By joining forces in this way, they are able to elevate the lives of the people in the Philippines and help them break out of a poverty cycle.
To meet their collective goal, they have one simple system. Kiva brings organizations like the Mercy Foundation, with others like the NWTF which is tasked with identifying entrepreneurs on the ground who are in need of funding.
Kiva is a lending that everyone in the world has access to. If you want make a change of people in the lives of people around the globe in the same way as Mercy Foundation, you should visit www.kiva.org. There are thousands who are in need of funding.
Dr. Joseph Johnson is the founder and principal of GoodField Investments, a firm that endeavors to be the leading niche entrepreneurial startup, ministry, and real estate investment company leaving a strong earthly and eternal legacy. For more about Dr. Johnson and GoodField, visit this website.
Notes
1. This article is based on https://www.kiva.org/lend/781701
Friday, April 28, 2017
Thursday, March 23, 2017
A loan of $350 helped to purchase more groceries to resell.
I funded a microloan to Myrden Joy, a grocery retailer in the Philippines.
Myrden Joy's story
Myrden Joy is 44 years old, married, and has 2 children who are both in school.
Myrden Joy works hard to provide for her family. She runs a general store in the Philippines and has requested a 15,000 PHP loan through Negros Women for Tomorrow Foundation in order to purchase more groceries to sell.
Myrden Joy has previously borrowed and successfully repaid 4 loans from NWTF. She has been running her general store for 20 years and also earns income from selling personal care products.
Myrden Joy aspires to save enough money to expand her business and continue sending her children to college.
The average annual income in the Philippines, where Myrden Joy lives with her family and operates her business is $7,000. Because of this, microloans can go a very long way for business owners and entrepreneurs like Myrden Joy in the nation. This is true even if they are just a few hundred dollars.
Microloan Partner
The field partner for this microloan is the Negros Women for Tomorrow Foundation (NWTF). Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.
With the help of the Negros Women for Tomorrow Foundation, the Mercy Foundation successfully funded this microloan to Myrden Joy! Now she can use the money to purchase more grocery items to sell to her company. An expanded inventory can significantly help Myrden Joy’s business. This microloan is great news for Myrden Joy, her family, and all of the members of her community who purchase groceries from her store.
Depsite the fact that this microloan has now been successfully funded to Myrden Joy, there are still countless entrepreneurs around the world who still desperately need access to capital. Many of these entrepreneurs live in very underserved nations.
If you would like to fund a microloan to an entrepreneur in need, please feel free to visit kiva.org. Even small amounts can go a very long way!
Dr. Joseph Johnson of GoodField Investments has been helping many small-scale entrepreneurs like Myrden Joy grow their business through microfinancing. More on these life-changing microloans that Dr. Johnson helps fund can be read here.
Notes
1. This microloan is based on https://www.kiva.org/lend/824338.
Thursday, March 16, 2017
A loan of $250 helped to purchase ingredients for her food production business.
I funded a microloan to Esterlina, a food vendor in the Philippines.
Esterlina's story
As a married parent of five children, Esterlina works hard to support her family. She has a food vending business in the Philippines, and also earns additional income from direct selling personal collection products. Esterlina is borrowing PHP 10,000 through NWTF to purchase ingredients for her food production business.
She hopes that her hard work will help her attain her dream to save enough money so she can afford to send her children to college.
In the Philippines, where Esterlina lives and works, the average annual income is only $7,000. This means that microloans even of just a few hundred dollars can be very helpful for entrepreneurs who need capital to grow their businesses, like Esterlina.
One day, Esterlina wants her business to reach a level of success where it is completely financially self-sufficient. It is not quite there, but with a microloan, and with a lot of hard work on Esterlina’s part, it could be there one day.
Microloan Partner
The field partner for this microloan is the Negros Women for Tomorrow Foundation (NWTF). The Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.
With the help of the Negros Women for Tomorrow Foundation, I successfully funded this microloan to Esterlina! Now she can purchase the supplies that she needs in order to help grow her business. The larger her inventory is, the more food that she can sell, the more customers she can gain, and the more profits she can make. So, this microloan will help her to advance her business.
Although I funded this microloan to Esterlina, I will not be receiving any interest on it. Instead, I only intended the microloan to be a humanitarian offering to help an entrepreneur in need. The local field partner may receive interest, however.
There are many entrepreneurs around the world like Esterlina, who still need access to microloans. If you would like to fund a microloan to an entrepreneur in need, please feel free to visit kiva.org today!
Esterlina joins a growing number of small-scale business owners from developing countries like the Philippines who have received life-changing microloan from Dr. Joe Johnson and GoodField Investments. For more information, visit this website.
Notes
1. This article is based on https://www.kiva.org/lend/835382.
Esterlina's story
As a married parent of five children, Esterlina works hard to support her family. She has a food vending business in the Philippines, and also earns additional income from direct selling personal collection products. Esterlina is borrowing PHP 10,000 through NWTF to purchase ingredients for her food production business.
She hopes that her hard work will help her attain her dream to save enough money so she can afford to send her children to college.
In the Philippines, where Esterlina lives and works, the average annual income is only $7,000. This means that microloans even of just a few hundred dollars can be very helpful for entrepreneurs who need capital to grow their businesses, like Esterlina.
One day, Esterlina wants her business to reach a level of success where it is completely financially self-sufficient. It is not quite there, but with a microloan, and with a lot of hard work on Esterlina’s part, it could be there one day.
Microloan Partner
The field partner for this microloan is the Negros Women for Tomorrow Foundation (NWTF). The Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.
With the help of the Negros Women for Tomorrow Foundation, I successfully funded this microloan to Esterlina! Now she can purchase the supplies that she needs in order to help grow her business. The larger her inventory is, the more food that she can sell, the more customers she can gain, and the more profits she can make. So, this microloan will help her to advance her business.
Although I funded this microloan to Esterlina, I will not be receiving any interest on it. Instead, I only intended the microloan to be a humanitarian offering to help an entrepreneur in need. The local field partner may receive interest, however.
There are many entrepreneurs around the world like Esterlina, who still need access to microloans. If you would like to fund a microloan to an entrepreneur in need, please feel free to visit kiva.org today!
Esterlina joins a growing number of small-scale business owners from developing countries like the Philippines who have received life-changing microloan from Dr. Joe Johnson and GoodField Investments. For more information, visit this website.
Notes
1. This article is based on https://www.kiva.org/lend/835382.
Thursday, March 9, 2017
A loan of $275 helped to purchase more products to sell.
I helped fund a microloan for Leony, a saleswoman from the Philippines
Here is Leony’s Story
Leony is a woman that lives in Dumaguete, Negros Occidental, Philippines. She is married with a total of six children. All of her children are in school which is why she works so hard as an entrepreneur. She has been selling direct to consumer for Splash products for a total of five years. This is the business that has helped her to achieve success.
As a woman who is so hardworking, she wants to build her business by expanding the number of products that she has available for sale. If she can do this, then she will be able to send her children to college. Recently, Leony approached the Negros Women for Tomorrow Foundation for a loan to help her grow her business. She asked for a loan of PHP 12,000 and awaited feedback on a possible funder.
Locally, her loan was administered by the Negros Women For Tomorrow Foundation (NWTF). This Kiva partner and non-governmental organization is focused on ensuring that the men and women of the province of Negros Occidental gain financial security. They do this by offering a number of services, from microfinance services to insurance premiums, health and dental missions, accidental death benefits and hospital income benefits.
Using the Kiva lending platform and the NWTF, I was able to fully fund Leony’s loan, so that she could be confident that she would provide for her family. Organizations like these, along with social entrepreneurs such as myself are helping to transform the lives of thousands of low income earners by giving them the tools they need to escape the poverty that surrounds them.
Kiva is a site that brings social entrepreneurs like myself together, while organizations like the NWTF identify needy people on the ground, and distribute the funds that are donated. One of the reasons this system works so well is because all the organizations involved have the same goal; to provide microfinance services to low income earners who cannot access traditional forms of capital. Should you like to change the life of an entrepreneur that is struggling in the same way, you should visit www.kiva.org. The website contains a long list of entrepreneurs from a range of regions who are in desperate need of funding.
Dr. Joseph Johnson is a witness to the many lives changed through a microloan given to small entrepreneurs throughout the world. Visit this website for more information about the funding provided to entrepreneurs by Dr. Johnson and his firm, GoodField Investments.
Notes
1. This article is based on https://www.kiva.org/lend/808345
Thursday, March 2, 2017
Binti Microloan – Johnson – Bennett O’Brien
A loan of $550 helped to purchase stock of cosmetics for resale.
I funded a microloan to Binti, a cosmetics shop owner
Binti's story
Binti is a married woman with two children, both of whom attend school. She lives at her own house that has neither electricity nor piped water. Her greatest monthly expenses are food and school fees for the family.
For the past 15 years, she has operated a cosmetics selling shop business, selling at retail to her neighbours and passersby. Her potential customers are neighbours and passersby. She faces a major challenge of the high cost of transportation in her business.
With the loan that she is requesting of KES 50,000, she wants to purchase stock of cosmetics for resale. She decided to join Yehu to access loans to boost her business.
Binti lives and operates her business in the nation of Kenya. In Kenya, the average yearly income is just $1,800. This means that microloans, even of just a few hundred dollars can have a very strong positive impact on the businesses of entrepreneurs like Binti.
Binti’s ultimate goal is to get her business to the point where it is completely financially self-sustaining. It is not there yet, however, this microloan could help Binti get one step closer to reaching her goal.
Microloan Partner
The field partner for this microloan is Yehu Microfinance Trust. Yehu Microfinance Trust was founded in 1998 as a project of CHOICE Humanitarian Kenya. In July 2007, Yehu became a separate entity from CHOICE and was registered as a trust. Since then, Yehu has expanded to cover over half of Kenya’s 13 coastal districts.
With the help of Yehu Microfinance Trust, I successfully funded this microloan to Binti! Now she can purchase the cosmetics that she needs to expand her inventory. Having an increased inventory can help Binti make more sales and grow her business. This microloan is excellent news for Binti, her family, and all of the members of her community who purchase cosmetics from her.
Despite the fact that Binti’s microloan has now been funded, there are still entrepreneurs all over the world who live in underserved nations, and who desperately need access to microfinancing. If you would like to provide a microloan to an entrepreneur in need, please feel free to visit kiva.org!
Even small amounts can go a very long way. Your help will be appreciated and it could help change people’s lives in a very positive way.
Dr. Joseph Johnson and GoodField Investments support disadvantaged entrepreneurs from all over the world with life-changing microloans. To read more similar success stories, visit this website.
Notes
1. The article is based on https://www.kiva.org/lend/833916.
I funded a microloan to Binti, a cosmetics shop owner
Binti's story
Binti is a married woman with two children, both of whom attend school. She lives at her own house that has neither electricity nor piped water. Her greatest monthly expenses are food and school fees for the family.
For the past 15 years, she has operated a cosmetics selling shop business, selling at retail to her neighbours and passersby. Her potential customers are neighbours and passersby. She faces a major challenge of the high cost of transportation in her business.
With the loan that she is requesting of KES 50,000, she wants to purchase stock of cosmetics for resale. She decided to join Yehu to access loans to boost her business.
Binti lives and operates her business in the nation of Kenya. In Kenya, the average yearly income is just $1,800. This means that microloans, even of just a few hundred dollars can have a very strong positive impact on the businesses of entrepreneurs like Binti.
Binti’s ultimate goal is to get her business to the point where it is completely financially self-sustaining. It is not there yet, however, this microloan could help Binti get one step closer to reaching her goal.
Microloan Partner
The field partner for this microloan is Yehu Microfinance Trust. Yehu Microfinance Trust was founded in 1998 as a project of CHOICE Humanitarian Kenya. In July 2007, Yehu became a separate entity from CHOICE and was registered as a trust. Since then, Yehu has expanded to cover over half of Kenya’s 13 coastal districts.
With the help of Yehu Microfinance Trust, I successfully funded this microloan to Binti! Now she can purchase the cosmetics that she needs to expand her inventory. Having an increased inventory can help Binti make more sales and grow her business. This microloan is excellent news for Binti, her family, and all of the members of her community who purchase cosmetics from her.
Despite the fact that Binti’s microloan has now been funded, there are still entrepreneurs all over the world who live in underserved nations, and who desperately need access to microfinancing. If you would like to provide a microloan to an entrepreneur in need, please feel free to visit kiva.org!
Even small amounts can go a very long way. Your help will be appreciated and it could help change people’s lives in a very positive way.
Dr. Joseph Johnson and GoodField Investments support disadvantaged entrepreneurs from all over the world with life-changing microloans. To read more similar success stories, visit this website.
Notes
1. The article is based on https://www.kiva.org/lend/833916.
Thursday, February 23, 2017
A loan of $350 helped to purchase more sacks of charcoal to sell.
I, Dr. Joe Johnson funded a microloan for Natividad, a charcoal sales person in the Philippines.
Here is Natividad’s Story
In the heart of Tanjay, Negros Occidental in the Philippines you will find Natividad, a woman who has been selling charcoal in for years to support her family. She married and has a large family with 11 children. She actually runs two businesses, one where she is selling charcoal and the other where she sells fruit to supplement her income.
What began as a small venture has expanded into a micro business, though there is more room for improvement. Natividad realised that if she wanted to grow her business, she would need to expand her stock, she would be able to attract more customers so that she could make more money. She has already benefited from 18 microloans before, and is now ready for the next one. That is why she chose to seek a loan worth PHP 15,000 from NWTF so that she could purchase some additional charcoal. With the money that she makes, she will be able to save up enough to send her children to college.
I chose to fund the loan for Natividad because I could see that she was hardworking. In addition, she has an excellent track record in that she has borrowed and paid back a grand total of eighteen loans. I also noted that she has a desire to work hard and save her money, this way, she will be able to send her children for further studies.
Through the Kiva platform, I was able to find Natividad after her need was highlighted by NWTF. Negros Women for Tomorrow Foundation, Inc. is a non-governmental organisation that works towards helping both men and women achieve self-sufficiency in communities which are typically low income. Through Kiva, lenders such as myself are connected to these micro-entrepreneurs and we are able to provide them with loans that can transform their lives and those of their communities.
If you feel inspired to make a difference in the life of someone from a low income community, I encourage you to go through the thousands of loans that have been presented on the Kiva.org platform. I fully funded the loan of $350 for Natividad and now she has been able to get some more charcoal for sale.
A growing number of underprivileged entrepreneurs from all over the world have received life-changing microloans from GoodField Investments through its private foundation. Learn more about the strategic and capital support provided to entrepreneurs by Dr. Joseph Johnson’s firm, click website.
Notes. 1.
This article is based on https://www.kiva.org/lend/784157
Here is Natividad’s Story
In the heart of Tanjay, Negros Occidental in the Philippines you will find Natividad, a woman who has been selling charcoal in for years to support her family. She married and has a large family with 11 children. She actually runs two businesses, one where she is selling charcoal and the other where she sells fruit to supplement her income.
What began as a small venture has expanded into a micro business, though there is more room for improvement. Natividad realised that if she wanted to grow her business, she would need to expand her stock, she would be able to attract more customers so that she could make more money. She has already benefited from 18 microloans before, and is now ready for the next one. That is why she chose to seek a loan worth PHP 15,000 from NWTF so that she could purchase some additional charcoal. With the money that she makes, she will be able to save up enough to send her children to college.
I chose to fund the loan for Natividad because I could see that she was hardworking. In addition, she has an excellent track record in that she has borrowed and paid back a grand total of eighteen loans. I also noted that she has a desire to work hard and save her money, this way, she will be able to send her children for further studies.
Through the Kiva platform, I was able to find Natividad after her need was highlighted by NWTF. Negros Women for Tomorrow Foundation, Inc. is a non-governmental organisation that works towards helping both men and women achieve self-sufficiency in communities which are typically low income. Through Kiva, lenders such as myself are connected to these micro-entrepreneurs and we are able to provide them with loans that can transform their lives and those of their communities.
If you feel inspired to make a difference in the life of someone from a low income community, I encourage you to go through the thousands of loans that have been presented on the Kiva.org platform. I fully funded the loan of $350 for Natividad and now she has been able to get some more charcoal for sale.
A growing number of underprivileged entrepreneurs from all over the world have received life-changing microloans from GoodField Investments through its private foundation. Learn more about the strategic and capital support provided to entrepreneurs by Dr. Joseph Johnson’s firm, click website.
Notes. 1.
This article is based on https://www.kiva.org/lend/784157
Thursday, February 16, 2017
A loan of $300 helped to purchase stock items to sell in her general store.
I helped fund a microloan for Anabelle, a General Store owner from the Philippines.
Here is Anabelle’s Story
In the bustling streets of the city of Toledo in the Philippines, you will find Anabelle selling her wares to the occupants of the city. This 29 year old married mother of two works extremely hard to help provide for her family, especially as she has one child in school. She supports them through her general store, which she has been running for the last three years, where she sells a variety of consumable goods.
In an effort to continue providing for her family properly, Anabelle approached the Negros Women for Tomorrow Foundation for a loan. The money that she received would be used to buy a variety of items for her store including noodles, canned foods, soft drinks, candies, biscuits and cooking oil. Her dream is to one day save up enough money so that she can expand her business, and therefore provide her family with a more secure future.
Her loan was locally administered by the Negros Women for Tomorrow Foundation (NWTF), a non-governmental organization and Kiva partner. The organization’s main aim is to ensure that the low income families of the province of Negros Occidental become financially self-sufficient. It does this by providing its members with a range of socioeconomic services, including microloans for entrepreneurs, hospital income benefits, training programs, medical and dental missions, and business and livelihood workshops. The money donated by Kiva lenders helps the organization to expand its reach so that it can provide these services to even more people.
Thanks to Kiva’s lending platform and the NWTF, I was able to provide full funding for Anabelle’s loan, bringing her one step closer to securing a future for her family. Thousands of people from around the globe are having their lives changed forever by organizations such as these, as they provide these people with avenues that they can use to escape the poverty that surrounds them.
The way it works is very simple, Kiva helps to bring donors such as myself together, while the NWTF identifies people on the ground that are in need of funding, and disburses the funds to them. Anyone can join Kiva’s lending platform and you should to if you would like to change the life of an underprivileged entrepreneur. All you have to do is visit www.kiva.org, where you will find a long list of entrepreneurs that could use your help.
GoodField Investments, through its private, nonprofit foundation, supports underprivileged entrepreneurs through life-changing microloans. Currently, Dr. Joseph Johnson, GoodField founder, helps fund over 1,000 microloans per month. For more about GoodField, its mission, vision, and values, click here.
Notes
1. This article is based on https://www.kiva.org/lend/824235
Here is Anabelle’s Story
In the bustling streets of the city of Toledo in the Philippines, you will find Anabelle selling her wares to the occupants of the city. This 29 year old married mother of two works extremely hard to help provide for her family, especially as she has one child in school. She supports them through her general store, which she has been running for the last three years, where she sells a variety of consumable goods.
In an effort to continue providing for her family properly, Anabelle approached the Negros Women for Tomorrow Foundation for a loan. The money that she received would be used to buy a variety of items for her store including noodles, canned foods, soft drinks, candies, biscuits and cooking oil. Her dream is to one day save up enough money so that she can expand her business, and therefore provide her family with a more secure future.
Her loan was locally administered by the Negros Women for Tomorrow Foundation (NWTF), a non-governmental organization and Kiva partner. The organization’s main aim is to ensure that the low income families of the province of Negros Occidental become financially self-sufficient. It does this by providing its members with a range of socioeconomic services, including microloans for entrepreneurs, hospital income benefits, training programs, medical and dental missions, and business and livelihood workshops. The money donated by Kiva lenders helps the organization to expand its reach so that it can provide these services to even more people.
Thanks to Kiva’s lending platform and the NWTF, I was able to provide full funding for Anabelle’s loan, bringing her one step closer to securing a future for her family. Thousands of people from around the globe are having their lives changed forever by organizations such as these, as they provide these people with avenues that they can use to escape the poverty that surrounds them.
The way it works is very simple, Kiva helps to bring donors such as myself together, while the NWTF identifies people on the ground that are in need of funding, and disburses the funds to them. Anyone can join Kiva’s lending platform and you should to if you would like to change the life of an underprivileged entrepreneur. All you have to do is visit www.kiva.org, where you will find a long list of entrepreneurs that could use your help.
GoodField Investments, through its private, nonprofit foundation, supports underprivileged entrepreneurs through life-changing microloans. Currently, Dr. Joseph Johnson, GoodField founder, helps fund over 1,000 microloans per month. For more about GoodField, its mission, vision, and values, click here.
Notes
1. This article is based on https://www.kiva.org/lend/824235
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