Kiva+Candidates

KIVA – Loan Justification Your Name: Hunter Hill

Potential Recipient URL: http://www.kiva.org/lend/348650 Name: Kassem Country: Lebanon Type of Loan: Business

Criteria

1. Risk

Borrower (Credit history/Personal character): It is his first loan from Kiva but he has had the shop for 15 years and shows dedication.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Four stars, 0.43%, 0.00%

Country Risk (Economic, Political, Natural Disaster) Recovering from Government collapse but it increased it’s economy in 2008, and has a high tourist rate.

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

 Potential for success: Medium due to the high request for other vegetables, inferring a constant customer flow.

Potential for sustainability: High considering he has been running the business for 15 years

Potential for regional economic benefit: A better income can make him able to buy vegetables at a lower price if he expands his trades. This allows locals to gain more nutrition for lower prices.

3. Borrower

Perceived level of need: Medium. He can survive but his four children cannot all live of the inherited business in the future.

Financial responsibilities/commitments of individual: Kassem has four children and a wife.

4. Summary Kassem needs the money to buy more stock, better shelves for the vegetables, and highly requested vegetables. He hopes that someday, when his children inherit his business, that they can all live off of it and expand it further.

KIVA – Loan JustificationYour Name: Hunter Hill

Potential Recipient URL: http://www.kiva.org/lend/346399 Name: German Julio Castro Sanchez Country: Ecuador Type of Loan: Farming

Criteria

1. Risk

Borrower (Credit history/Personal character): German is dedicated in growing his business and making life better for his family.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): four stars, 0%, 0%

Country Risk (Economic, Political, Natural Disaster) Not big risk for natural disaster. Has many tourist.

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

Potential for success: High considering his well thought out plan.

Potential for sustainability: High considering he has been farming for a long time.

Potential for regional economic benefit: More crops allow German to sell at lower prices and allow possible jobs for locals.

3. Borrower

Perceived level of need: High because he has many competitors and farming is a hard business.

Financial responsibilities/commitments of individual: German has two children and a common law wife.

4. Summary German wants the loan to buy products to make his crops better quality and be able to gain more money from them. With this extra boost he hopes to be able to expand his farm year by year and soon buy a house and a car.