KIVA

http://www.kiva.org/lend/348545 http://www.kiva.org/lend/350663 KIVA – Loan JustificationYour Name: David Henrich

Potential Recipient URL: http://www.kiva.org/lend/350663 Name: Faustina Country: Peru Type of Loan: Arts/Textiles

Criteria

1. Risk

Borrower (Credit history/Personal character): She has had one lone before which is 81% paid. She is happy about her previous loan and she is committed to paying it back. She has 5 children.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: * Delinquency Rate: 0.16% Default Rate: 0%

Country Risk (Economic, Political, Natural Disaster) Peru's currency is very stable. I couldn't find any warning of environmental or political instability in my research.

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

Potential for success: Faustina buys coloured yarns and weaves them into

Potential for sustainability:

Potential for regional economic benefit:

3. Borrower

Perceived level of need:

Financial responsibilities/commitments of individual:

4. Summary

KIVA – Loan JustificationYour Name: David Henrich

Potential Recipient URL: http://www.kiva.org/lend/348545 Name: Rose Wanjiku Country: Kenya Type of Loan: Housing (rentals)

Criteria

1. Risk

Borrower (Credit history/Personal character): She has made a living renting houses for the last eleven years. She is 24 years old and has 2 children.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: *1/2 Delinquency Rate: 2.78% Default Rate: 0%

Country Risk (Economic, Political, Natural Disaster) There was a political crisis that was resolved in December 2007. Kenya is making progress to achieve political stability.

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

Potential for success: Rose will use the money to renovate the houses that she rents. I think it will be successful because houses/shelter are things that are always in demand.

Potential for sustainability: It is a very sustainable business because, as I said before, houses are always in demand.

Potential for regional economic benefit:When she renovates the houses, she will be improving the quality of life of those who are living in them.

3. Borrower

Perceived level of need: This woman is supporting two children, so I think it would be a good idea to support her so that she can give her children the best life possible.

Financial responsibilities/commitments of individual: Couldn't find any.

4. Summary: I think that this would be a good business to invest in because it is very sustainable and very likely to succeed. Rose has 11 years of experience renting houses, so she is probably very good at it.