Mbale : Uganda
Partner: Women's Initiative to Eradicate Poverty (WITEP)
$70 of $850 repaid.


Mukwaya Twauya is a single mother and a teacher by profession. She has one child. She been a teacher for 3 years now.

However, in her kind of profession she has been having many challenges in life whereby even her salary is not enough to meet all of her family's basic needs.

She tried to construct that house where she is photographed and with her low income, it has not allowed her to complete the building.

So she now applies for a loan of $850 to enable her to complete her building and care for her family. The building will also be a source of money to repay the loan. She is thankful for the opportunity to apply for a loan, and hopes to be considered.

Mbale : Uganda
Partner: Women's Initiative to Eradicate Poverty (WITEP)
$50 of $800 repaid.


Akwii Grace is a widow with 7 children and she is also caring for 3 additional dependants. She started this business in 2003 and began with a capital of $200 and she currently has a capital of $500. She buys and sells produce such as Millet, Maize, Ground nuts, Simsim, Dry cassava, Sorghum, Beans, Peas, etc.

Grace has been facing challenges in life with her family since the death of her husband. But through this business she has tried to remain focused and see life go on peacefully.

However, she still has difficulty in raising capital and this leads to low income in most cases. She is requesting a loan of $800 to enable her to raise her capital. She will be grateful when considered, and this will be of great help to her in raising money to help support her family's basic needs as well as be able to pay back the loan out of profits.

Mbale : Uganda
Partner: Women's Initiative to Eradicate Poverty (WITEP)
$70 of $500 repaid.


Amero Hellen is a single lady with four children. She lives in one of Mable's slum areas. She deals with baking local bread (Tomberu) and cassava chips. She processes her bread at home and operates her business at schools during school days, then markets throughout the week. This business has been operating successfully for two years.

She began her business with a capital of Ug. Shs. 3,200, which she received from labouring on peoples farms. She purchased baking flour of 2kg, Cooking oil a half litter, and charcoal, all for Ug. Shs. 700/-

After purchasing these ingredients, she bakes her bread and sells it for a profit of Ug. 1,500. She continued with her business until she raised a capital which enables her to boost up her business by buying equipment like a frying pan, some dishes and baking flour with cooking oil. These additional ingredients helped her raised her capital.

She is requesting a loan of $500 to boost up her business even more. She wishes to improve her bakery by purchasing more equipment and adding ingredients to increase her profits. This wil help her care for her family, pay school fees for her children, and provide good quality bread for the community. If given the loan money, she will be capable of paying back within the stated period.

Mbale : Uganda
Partner: Women's Initiative to Eradicate Poverty (WITEP)
$110 of $800 repaid.


Akurut Betty is a married woman with 1 child and two (2) dependants. She started her business in 2004 after she had just finished her nursing training courses. She started with a capital of $200 and currently has a capital of $300.

Betty’s business is located in one of the villages in Bukedea District and you'll find that she has extended her services to local people in this village. She’s one of those people who has a great interest in saving the lives of those with serious health problems. This surely is of great help to many who are unable to get to the hospital due to lack of enough money to either transport them to hospital or pay for treatment.

Betty is applying for a loan of $800 to help her expand her stock by stocking more drugs and she would also like to enlarge the premises of operation.

She will be very grateful to the help given so as to enable her to meet the demands of her clients in this village.

Mbale : Uganda
Partner: Women's Initiative to Eradicate Poverty (WITEP)
$120 of $500 repaid.


Amina is married with one child. She’s a young lady with a vision to fight poverty for her family.

She started this "Varieties" business in 2003 and has managed it so well. Because of her business, she is able to meet some needs of the family and to help her relatives as well.

She started with a capital of $100 and currently has a capital of $150. This however, shows that she is a lady who is capable of running her business, and she only needs more capital to enable her to meet the demand of her customers at the place of operation.

She applies for a loan of $500 to enable her to expand her stock and also buy more clothes and trinketss, so there is greater variety for her customers to select from. This will be of great help to her and she will be very grateful when given the money to enable her to stock more goods.

Juárez, N. L. : Mexico
Partner: Admic Nacional
$925 of $925 repaid.


ENGLISH

Elva is a 29 year old woman. She is married and has two children, and her husband works in a restaurant. Two years ago she started her business, thinking that an additional income would help with the family’s expenses. She started walking house to house offering bedspreads and sheets and later she included shoes too as her clients began requesting it.

In this occasion Elva is asking for a loan by $925 USD to pay back in a term of 6-12 months. She wants to buy bedspreads, sheets and used clothes because she wants to sell her merchandise in the flea market as complement of its business. She wants to see her business grow and then she hopes to buy a car so she could offer her merchandise in neighboring towns.

ESPAÑOL

Elva es una mujer de 29 años de edad, casada y con dos hijos, su esposo trabaja en un restaurante. Hace dos años inició su negocio con la idea de tener un ingreso adicional al de su esposo y ayudar a los gastos de su familia. Fue así como ella sola empezó a vender colchas y sábanas casa por casa, más tarde incluyó también los zapatos pues algunas de sus clientes se lo pedían.

En esta ocasión Elva esta solicitando un préstamo por $925 USD a pagar en un plazo de 6-12 meses, para comprar sábanas y colchas y además una paca de ropa usada para ir a vender al mercado rodante como complemento de su negocio. Ella quiere que su negocio crezca y en un futuro poder comprar un carrito para poder ofrecer sus mercancías en los poblados cercanos.

Dangkar District : Cambodia
Partner: CREDIT, a partner of World Relief
$1,000 of $1,000 repaid.


Yen Louv is a happy mother of a large and busy family. She has five daughters and one son who all live at home. Yen Louv currently sells fruit near a school that is close to their home. She earns about $3.75 from this each day. Yen Louv's husband is a security guard and he earns a salary of $50 per month. Their four oldest daughters all work in a local factory and each earn a salary of $90 per month. Their 15 year old daughter and 7 year old son are both still attending school.

This large bustling family is currently facing transportation problems, and therefore Yen Louv is requesting a loan of $1,000 in order to purchase two motorbikes which cost $500 each. These motorbikes will allow her daughters to safely get to work each day, as well as allow her husband and other two children to get to work and school. Ultimately, this will also allow the family to eliminate the cost of using motorbike taxis.

In the future Yen Louv would like to expand her fruit sales business near the school to include selling water cane. This is popular with the children in the area, and she believes it will help to increase her sales.

Apodaca, N. L. : Mexico
Partner: Admic Nacional
$825 of $825 repaid.


ENGLISH

14 year ago Araceli and her husband decided to move to Monterrey, looking for a better life for their children. They lived in Chiapas (Mexican Southeast) but they wanted a different environment where their children could grow safely. Cheli’s personality is very friendly, and she started the business of selling shoes by catalogue and products of beauty with its friends. In this way she may handle its schedule and could have additional income for its family, but without neglecting their children who will remain their priority.

Cheli requires working capital to be able to give credit to their clients who spent so much money with the scholastic season. This is why she needs a loan by $825 USD to pay back in a term of 6-12 months.

ESPAÑOL

Hace 14 años que Araceli y su esposo decidieron mudarse a Monterrey en busca de una mejor vida para sus hijos, ellos vivían en Chiapas pero querían otro ambiente en donde se desarrollaran sus tres hijos. La personalidad de Cheli le ayuda para relacionarse con la gente y aprovechando esta característica, ella inicio el negocio de venta de zapatos por catálogo y productos de belleza con sus amistades desde que se mudó a esta ciudad, de esta manera manejaba su horario y podía tener ingresos adicionales para su familia, pero sin descuidar a sus hijos los cuales han sido su prioridad.

Cheli requiere de capital de trabajo para poder darle crédito a sus clientes quienes quedaron muy gastadas después del inicio de la temporada escolar, es por eso que requiere de un crédito por $ 825 USD para pagar en un plazo de 6-12 meses.

Lomé : Togo
Partner: Microfund Togo
$1,000 of $1,000 repaid.


Madam Beauty LANBLEY, born on September 3, 1961 at Akoumapé in the prefecture of VO, is issued from a numerous and poor family. She is married and mother of one child with two (02) dependants. Her husband, a plumbing master without stable employment, exercises this activity from which he draws very difficultly income to help his wife to face the family expenditures. This Madam LANBLEY was launched in the small table trade, then progressively she succeeded to open a shop which she manages very well despite she is illiterate (neither read, nor write). Honest and full of trusty, she repaid promptly her two first credits without incident. She deserves to be backed financially to increase her trade and draw great profit to the family needs. So, this credit of $1000 she is requesting will serve to supply her shop of rice, sugar, milk, soap and other essential produces to resell them in this period of good businesses of end year feasts. This will strengthen the profitability of her activity and will enormously contribute to the family living conditions improvement.

Madame LANBLEY Beauty, née le 3 septembre 1961 à Akoumapé dans le Vo, est issue d’une famille nombreuse et très pauvre. Elle est mariée et mère d’un (01) enfant avec 2 personnes à sa charge. Son mari, un maître plombier sans emploi fixe, exerce cette activité dont il tire très difficilement un revenu pour aider sa femme à faire face aux dépenses de la famille. Madame LANBLEY s’est lancée alors dans le petit commerce de table, puis progressivement elle est arrivée à ouvrir une boutique qu’elle gère très bien malgré qu’elle soit analphabète (ne sait ni lire, ni écrire). Honnête et pleine de confiance, elle a su rembourser promptement ses deux premiers crédits sans incident. Elle mérite d’être appuyée financièrement pour accroître son commerce et en tirer grand profit aux besoins de famille. Ainsi donc, ce crédit de $ 1000 qu’elle sollicite servira à approvisionner sa boutique de riz, sucre, lait, savon et autres produits de première nécessité pour revendre en cette période de bonnes affaires des fêtes de fin d’année. Ceci renforcera la rentabilité de son activité et de facto, contribuera énormément l’amélioration des conditions de vie de sa famille.

Vratza : Bulgaria
Partner: Mikrofond EAD
$1,000 of $1,000 repaid.


Janeta Danovska is 44 years old. She was born in the town of Vidin but her childhood passed in Vratza whrere she graduated her education. Janeta Danovska is married and has two sons.

For over ten years he has lived and worked in the capital city Sofia in the field of advertisement and PR consultancy. Three years ago she had to go back to Vratza because her parents were very old ad she had to look after them.

Then Janeta decided to establish an advertising agency in her native town. Janeta Danovska needs $ 1 000 for a mechanic knife for paper cutting and formatting.

Monterrey : Mexico
Partner: Admic Nacional
$825 of $825 repaid.


Maria del Carmen lost her husband when her last and little baby had 1 year old, so with all her pain for her husband dead she had to work very hard to support her family and maintain her 5 sons. She knew that the life is not easy, she was a clear example of fight and constancy, so she started to sold used clothes and some bazaar articles, with the pass of the time she was increase her merchandise. Today she has 63 years old and has her business in a popular market and other store established in a fix place, she started her business 40 years ago, started low but with her effort Maria’s business grew slowly but sure and always go ahead with it.

Maria is requesting for a loan of USD$ 825 to purchase toys and Christmas merchandise that she is very sure that this season will sales all her merchandise, she offers to repay the loan in a term of 6 to 12 months.

** \"This text has been translated from the following original business description.\"

María del Carmen quedó viuda cuando su hijo el más pequeño apenas tenía 1 año de nacido, aún con la pena del fallecimiento de su esposo, ella tenía el deber de enfrentarse a la vida, ya que había que mantener a cinco niños. Como era conciente de que la vida no es fácil, ella se convirtió en claro ejemplo de lucha y superación, así comenzó vendiendo ropa usada y algunos artículos de bazar, al paso del tiempo fue incrementando su mercancía. Hoy ella tiene 63 años de edad y vende en un mercado ambulante y además tiene un puesto establecido, y lleva con este negocio 40 años, empezando muy lento pero con esfuerzo y superación lo esta sacando adelante.

Maria esta solicitando un préstamo por USD $ 825 para comprar juguetes y regalos navideños que ella esta segura se venderán muy bien en esta navidad, ofreciendo el pago del mismo en un periodo de 6 a 12 meses.

Muranga : Kenya
Partner: Women`s Economic Empowerment Consort (WEEC)
$120 of $150 repaid.


Julia is 27 years old married mother with 2 children who are in primary school. She is an active member of St Juliet women group and a religious person. She leads a congregation of young mothers in her place of worship. She joined the group due to an influence from a friend. All her friends’ lives were changed by the loans they were getting from the group. She has benefited a lot from the business and livestock management trainings. She was empowered that she applied for her first loan and started with a small retail shop of household goods. She has been able to buy a dairy cow from the retail shop income and now she no longer buys milk for her family. Her life has really improved and she has decided to buy add stock in her shop. She is planning to buy more daily after improving her shop. She is willing to repay her loan in monthly basis

Muranga : Kenya
Partner: Women`s Economic Empowerment Consort (WEEC)
$240 of $300 repaid.


Mary is 48 years old, married with 6 children. 4 of them are in high school while the 2 are in primary school. She assists chairperson in her group and has proved this through her leading skills. She is a beneficial of those lives which have been changed by loans. Her source of income is farming in her small portion of land. She utilizes the little materials she has, to stand the pressure of school fees even though straining. She has been able to save USD130 on monthly basis which is divided between family consumption and school fees. She would like to pay fees at once and left struggling with basic needs. She is very honest from the group records and she has demonstrated it among the group members.

Muranga : Kenya
Partner: Women`s Economic Empowerment Consort (WEEC)
$133 of $150 repaid.


Jane is married with 5 children in her family. She has benefited a lot from the group loans and training. She has utilized her skills on her land where she practices mixed farming. Since the training, she has been able to rear her dairy animals providing them with essential balanced feeds. Also her small portion of land has been productive enough that she can get some vegetables for sales. She has been relying on her farm in terms of income, and she is thinking of practicing zero grazing as a project in the near future for the benefit of her children’s education. Due to pressure of paying school fees next year she would like to top up her savings with the loan and pay the school fees. She is a hard working lady who believes God will bless the little she has. She is expecting to repay her loan using milk sales she makes on monthly basis.

Escobedo, N. L. : Mexico
Partner: Admic Nacional
$275 of $275 repaid.


Maria Guadalupe is married and has two sons, one of them has 16 years old and the other one has 20 years old, both are actually studying. Her husband works as a bricklayer in a small company since three years ago and his incomes are not enough to maintain his family, for that reason she decided to help her husband in the family expenses started her own business. Since three years ago Maria Guadalupe was invited for a friend of her to enter in the cosmetics sales by catalogue and she decided to did it, so at the beginning her incomes are lower than she expects, but with the pass of the time she saw that her incomes arise little by little but as her incomes grow, her family expenses too, because her children are growing and they demand more things, for this reason Maria Guadalupe decided to start a food sales business and maintain her cosmetics business as well, and this new kind of business give her a little bit more incomes to her economy and could offer a better quality of life to her family.

Maria Guadalupe is requesting for a loan of USD $ 275 to purchase merchandise and also raw materials to her food business, and she offers to repay this loan in a term of 4 to 8 months.

This text has been translated from the following original business description.

María Guadalupe esta casada y tiene dos hijos, uno de 16 años y el otro de 20 años, ambos están actualmente estudiando. Su esposo trabaja como albañil en una pequeña empresa hace 3 años y sus ingresos no son suficientes para mantener a su familia, fue por ello que María Guadalupe decidió apoyar en los gastos de la economía familiar, empezando su propio negocio. Hace tres años atrás ella por invitación de una amiga se interesó en la venta de cosméticos ya que las utilidades si bien no son excelentes son buenas y ayudan a la economía familiar, al inicio empezó con muy pocas utilidades, pero con el tiempo empezó a ver que si era un buen negocio pero así como sus ingresos se incrementaban, sus gastos también por que sus hijos demandaban mayores cosas por que están creciendo, por ello María Guadalupe decidió además de solo vender cosméticos por pedido, empezar a vender comida por que es muy buena cocinera, y este nuevo producto en sus ventas le ayuda a obtener un poco más de ingreso para poder ofrecer a su familia lo necesario para un mejor nivel de vida.

María Guadalupe esta solicitando un préstamo por la cantidad de USD $ 275 para comprar mas productos de belleza y también insumos para la elaboración de sus comidas, dispuesta a pagar este crédito en un período de 4 a 8 meses.

Guayaquil : Ecuador
Partner: MIFEX
$625 of $625 repaid.

Rosa runs a small store where she sells snacks and other groceries. She is asking for a loan in order to buy her products at wholesale quantities. Currently she cannot buy in large amounts and she sees her profits suffer. Her home is located in a very rough sector of Guayaquil. She lives up a dirt hill which makes it very difficult to transport groceries and merchandise, especially in the rainy season when the hill is muddy. Part of her business is made of cement but she aspires to make many more improvements to her home. She and her husband have three kids and their goal is to provide them with a good education.

Mifex offers its clients microinsurance and access to business training and educational programs. For more information about microfinance, Ecuador, and our services, please visit www.mifex.org.

Danli : Honduras
Partner: Prisma Microfinance
$1,000 of $1,000 repaid.


My name is Juana Rodriguez I have run a pulperia ( eatery/groceries)from my home for several years. I have many customers because of the attention I give to them and the location of my business. I am a sinlge mother and I have one son, who thanks to this business I have been able to put through his fourth year of medical school at the University. I now need to stock my business with the approaching Christmas holiday season in order to offer a wider variety of foods to my clientel.

Mi Nombre es Juana Rodriguez, cuento con un negocio de Pulperia ubicada en mi casa de habitacion, desde hace varios años, tengon buena clientela por la atención y la ubicación de mi negocio, soy madre soltera, tengo un hijo y gracias a este negocio he podido sacar adelante a mi hijo que actualmente cursa 4to año de medicina en la Universidas, actualmente necesito surtir mas mi negocio ya que se aproxima la Navidad para poder ofrecer mayor variedad a mis cliente.