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.
Thursday, March 2, 2017
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
Thursday, February 9, 2017
A loan of $225 made it possible for Caryl Jean to buy feed and vitamins for her pigs.
I chose to help fun Caryl Jean, a pig farmer and entrepreneur from the Philippines.
Here is Caryl Jean’s Story
In the heart of Occidental, Philippines, you will find a happy woman who has been raising pigs for the past four years. Her name is Caryl Jean and she is married. At thirty years old and an entrepreneur, she has proven herself to be excellent at clearing her debt, as she has been able to borrow for her business three times and pay back each time. This time around, she wants to get more feed and vitamins for her pigs. This will make it possible for her to expand her business with a loan from the Negros Women for Tomorrow Foundation (NWTF).
As she has in the past, she got in touch with NWTF for a loan to grow her business. Her intention is to build her business, and it is clear that if she continues in this path, what started four years ago could still become self-sustaining.
Caryl Jeans loan was locally administered by the NWTF, a non-governmental organization and Kiva partner. This organization has a main aim, which is to make sure that those families who have low income in the province of Negros Occidental become financially self-reliant. In addition to loans, social and economic services are also provided, including life insurance policies, livelihood workshops, dental and medical missions, and microfinance services. The funds that are facilitated through Kiva lenders help to build small business.
Through the Kiva lending platform and the NWTF, I chose to fully fund Caryl Jean’s loan, so that she could continue on her journey to build the business. Organizations like Kiva and the NWTF are changing the lives of people in the Philippines by giving them a way to get away from a cycle of poverty.
It is amazing how all this works. Kiva brings people like myself together, while organizations like the NWTF finds entrepreneurs that require funding. I come in as someone who wants to do what I can to eliminate poverty.
The Kiva lending platform is free for anyone to join in. If you are interested in changing the lives of people just like I did, you should visit www.kiva.org. On the website, you will hundreds of entrepreneurs that will benefit from your funds.
Dr. Joe Johnson founded GoodField Investments to help startups, entrepreneurs, and business leaders with strategic and capital support. Learn more about the firm’s mission here.
Notes 1. This article is based on https://www.kiva.org/lend/828195
Thursday, February 2, 2017
A loan of $175 helped to purchase more sacks of rice to sell.
Dr. Joe Johnson helped fund a loan for Jocelyn, an entrepreneur from the Philippines.
Here is Jocelyn’s Story
Roxas City, one of the Philippines’ many coastal cities in the Philippines, is home to Jocelyn, a married woman who has to work hard to provide for her family. One of the ways she does this is through her rice dealership, where she buys and sells rice to the community around her. She has been in the business for the last 20 years, and though it is her first love, she also has a small farm where she raises pigs which also help supplement her income.
She recently approached the Negros Women for Tomorrow Foundation for a loan of 7,000 Philippine Pesos (PHP) so that she could buy sacks of rice for her rice business. She hopes that in the future, she can use the profits that she gains from the additional rice to enable her to build and expand her business so that she can secure a financial future for herself and her family.
Locally, her loan was administered by the Negros Women for Tomorrow Foundation (NWTF), a non-governmental organization and Kiva partner that aims to provide the men and women of the Negros Occidental province with the chance to become financially independent. They do this by providing residents with a number of socio-economic services such as microfinance services, accidental death benefits, life insurance and hospital income benefits among others.
Through the Kiva lending platform and the NWTF, Dr. Joe Johnson was able to provide Jocelyn with the full funding for her loan, giving her the chance to achieve her dream. Organizations like these are changing the lives of millions of people across the globe by giving them an avenue to escape their lives of poverty. One of the reasons this works so well is because all the entities involved have the same goal, to ensure that financial services are provided to those that need them the most. Kiva helps to bring social entrepreneurs like Dr. Johnson together, while organizations like the NWTF then disburse the funds to underprivileged entrepreneurs that they have identified locally.
If you would like to transform the life of a low income family as well, why not visit www.kiva.org. The organization has a long list of entrepreneurs who are in dire need of funding.
GoodField Investments operates as Dr. Joe Johnson’s main investment firm to fund new startups and his own personal investments in real estate or other unorthodox and creative investments. For more information about GoodField, visit this website.
Notes 1.
This article is based on https://www.kiva.org/lend/837541
Tuesday, December 27, 2016
A loan of $150 helped to purchase more items to sell like shampoo, noodles, canned goods, spices, sugar, coffee, milk, and eggs.
A loan was financed for Ruby, an entrepreneur from the Philippines.
Here is Ruby’s Story
Deep in the heart of Roxas City in the Philippines, you will find Ruby attending to her customers at her general store. This 31-year-old married woman must work very hard to provide for her family, something she does through her general store, which she has been running for the last eight years.
She recently approached the Negros Women for Tomorrow Foundation and applied for a loan to help her buy more supplies for her store. The loan would go towards various items to sell including shampoo, noodles, canned goods, spices, sugar, coffee, milk and eggs. She hopes that with the help of the additional funds, she will be able to save enough money to expand her business.
The Negros Women for Tomorrow Foundation (NWTF) locally administered Ruby’s 6,000 Philippine Pesos (PHP). The NWTF is a Kiva partner and non-governmental organization that aims to provide men and women of various low income communities in the province of Negros Occidental with the means to attain financial self-sufficiency. Besides microfinance services, the organization also offers its members other services such as life insurance, accidental health benefits, and hospital income benefits. The funds that Kiva lenders provide the organization are used to expand its reach, ensuring that a wider range of low income households can access their services.
Through Kiva’s lending platform and the NWTF, Ruby’s loan was fully funded, giving her the chance to take one more step towards realizing her dream of expanding her business. These organizations, with the help of social entrepreneurs like myself, are helping to transform the lives of thousands of people by giving them an avenue out of the poverty that surrounds them.
One of the reasons this works so well is because all the entities that are involved are interested in the same thing: ensuring that microfinance services are provided to those who need them the most. Kiva finds financiers wanting to donate, while organizations like the NWTF identify people on the ground who are in need of funds.
If you would also like to help an underprivileged entrepreneur, why not visit www.kiva.org. Here, you will find a long list of entrepreneurs who are in desperate need of financial assistance.
Notes
1. This article is based on https://www.kiva.org/lend/837565
Dr. Joe Johnson is a Bradenton, Florida-based investor, entrepreneur, and start-up expert. He holds a Ph. D. in Entrepreneurial Leadership and an MBA. For more information about him and his career, visit this Twitter page.
Here is Ruby’s Story
Deep in the heart of Roxas City in the Philippines, you will find Ruby attending to her customers at her general store. This 31-year-old married woman must work very hard to provide for her family, something she does through her general store, which she has been running for the last eight years.
She recently approached the Negros Women for Tomorrow Foundation and applied for a loan to help her buy more supplies for her store. The loan would go towards various items to sell including shampoo, noodles, canned goods, spices, sugar, coffee, milk and eggs. She hopes that with the help of the additional funds, she will be able to save enough money to expand her business.
The Negros Women for Tomorrow Foundation (NWTF) locally administered Ruby’s 6,000 Philippine Pesos (PHP). The NWTF is a Kiva partner and non-governmental organization that aims to provide men and women of various low income communities in the province of Negros Occidental with the means to attain financial self-sufficiency. Besides microfinance services, the organization also offers its members other services such as life insurance, accidental health benefits, and hospital income benefits. The funds that Kiva lenders provide the organization are used to expand its reach, ensuring that a wider range of low income households can access their services.
Through Kiva’s lending platform and the NWTF, Ruby’s loan was fully funded, giving her the chance to take one more step towards realizing her dream of expanding her business. These organizations, with the help of social entrepreneurs like myself, are helping to transform the lives of thousands of people by giving them an avenue out of the poverty that surrounds them.
One of the reasons this works so well is because all the entities that are involved are interested in the same thing: ensuring that microfinance services are provided to those who need them the most. Kiva finds financiers wanting to donate, while organizations like the NWTF identify people on the ground who are in need of funds.
If you would also like to help an underprivileged entrepreneur, why not visit www.kiva.org. Here, you will find a long list of entrepreneurs who are in desperate need of financial assistance.
Notes
1. This article is based on https://www.kiva.org/lend/837565
Dr. Joe Johnson is a Bradenton, Florida-based investor, entrepreneur, and start-up expert. He holds a Ph. D. in Entrepreneurial Leadership and an MBA. For more information about him and his career, visit this Twitter page.
A loan of $450 helped to purchase stocks of sugar, rice, maize flour and wheat flour.
Umazai, a retailer in Kenya, was funded a microloan.
Here is Umazi’s Story
The sleepy coastal town of Tiribe, Kenya, is where Umazi and her family call home. She is married with three school-going children and lives in a house without running water or electricity. She does not have many expenses, with her greatest one being food for her family. She manages to meet all her needs through the retail business that she has been running in the town for a year now.
Through her business, friends and neighbors get easy access to goods such as wheat and maize flour, and sugar. She does face a few challenges in her business as well, with her main one being competition from the other retailers around. To help boost her business, Umazi joined the Yehu Microfinance Trust, and asked for a small loan that would enable her to purchase additional stock like rice and sugar for her store. The profits garnered from the additional stock would help her take better care of her family.
Locally, her loan was administered by the Yehu Microfinance Trust, a Kiva Partner and non-governmental organization whose main aim is to provide microfinance services to the poor and impoverished people of Kenya’s coastal region so that they can become economically independent. However, the organization does offer other services, including basic business skills training for their members so that they can learn how to run their businesses better.
Through Kiva and the Yehu Microfinance Trust, Umazi’s loan was fully funded. By providing low income earners with microfinance services, organizations like these, along with people who can provide aid, are helping to change the lives of thousands of underprivileged peoples.
One reason these partnerships work so well is because everyone involved would like to see lower income earners prosper and become economically self-reliant. To this end, Kiva brings people together, and the funds that these individuals provide are disbursed to needy applicants by organizations like the Yehu Microfinance trust.
Umazi is now on the way to taking her business to new heights. If you would like to have the same impact on a person’s life, why not visit www.kiva.org. They have a massive database of entrepreneurs who are in desperate need of funding so that they too can realize their dreams.
Notes
1. This article is based on https://www.kiva.org/lend/839927
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