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Kakbank FF (Växjö)

These are all the journal entries from projects we've lent to.

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Entry regarding Loveth Omoregie (10e mars 2010)

loveth Omoregie used her Kiva loan to purchase groceries and foodstuffs to sell. She purchased her goods in Benin and also sells in Benin City.She said her dream is to have a super market and she is working towards her dream. She said she won't be able to see her stall doing well without Kiva lenders and LAPO. Though challenges strike sometimes, life must go on. She is very grateful to all Kiva lenders.

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Entry regarding Julia Pereyra Rengifo (29e oktober 2009)

Julia’s story is definitely one of success and a testament to the effectiveness of Manuela Ramos and microfinance in general. Julia is 53 years old and married with seven children. She runs a small restaurant out of her home and her husband works in the timber business. In addition, thanks to loans from Manuela Ramos, she has been able to grow her business to include preparing lunches for two nearby businesses: a bank and a petroleum company. She prepares a variety of meals and likes to make a something different every day.

Julia’s first loan was for 300 soles (about 100 USD). She was diligent about making every payment punctually (often early) and with each new loan cycle would take out slightly more money. Now, in her sixth year as a client, her most recent loan was for 3,000 soles. She says that “thanks to Manuela” her and her family have pretty much everything they need in their house, so she uses the loans to buy materials for her business and new equipment, such as a new stove, whenever necessary. Six of her seven children have attended university and are now working professionals, and her seventh child is about to begin high school.

Julia says that the schedule of her current business is beginning to make her tired, as it involves a lot of hectic hours in the early morning and afternoons. She says that she would like to open up a store that sells primarily pre-made dishes so that she could have more of an oversight role, rather than cooking all the time. Julia has seen several similar stores operate successfully in nearby towns, so she is confident in her idea.

Julia is extremely thankful to Manuela Ramos and all of her lenders for the support they have given her and her family over many years.

Here Julia is pictured in the doorway of the Manuela Ramos office with her book of loan payments that she is so proud of.

To loan to other entrepreneurs with Manuela Ramos, click on the following link,

(If the link does not work, you can copy and paste it into the URL bar of your internet browser)

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Entry regarding Saili Tuilama (1a oktober 2009)

Dear Lender,

Thank you for lending to an entrepreneur with South Pacific Business Development (SPBD) in Samoa.
My name is Athan Makansi and I am the current Kiva Fellow for SPBD. During the past 10 weeks, I have greatly enjoyed chatting with the Kiva borrowers you have funded, and working with the wonderful staff at SPBD. Meeting all these fantastic people has been a tremendously inspirational experience.

I can tell you that the SPBD workers all work very hard to take care of the borrowers you have funded. All staff work from 8:30 AM until 5:30 PM every day, and some work on Saturdays. They spend all that time making sure women all over Samoa have the privilege of accessing financial services. A privilege that you, in part, make possible through your loans. Some days I work in the office helping the administrators and Kiva Coordinator at SPBD develop new, more efficient ways to post Kiva business profiles and journal entries. Some days I head out into the field to interview borrowers. Meeting the women borrowers in their villages and home settings is always exhilarating. These are my favorite days.

I accompany an SPBD center manager on his or her rounds to collect loan payments. At the designated time, the center manager stops at each village center, where the borrowers from that village are waiting. At these collection centers, I mingle with the women and talk with them about their loan, business, and life in Samoa. Jokingly, the women often ask me if I’m single. My reply of “yes” always evokes a chorus of giggles. Sometimes the group of women surprises me by breaking out in song and dance. Surrounded by such joyous people, I cannot resist the urge to dance too. For a more in-depth view of a center manager’s daily work, view my video and blog post here:

The structure of SPBD works well with the village system of Samoa. Each village has one center where all the women gather on their designated day to make loan payments. One of the most interesting things about Samoa is the strength of the village system. This affects Kiva borrowers in a few ways. Sometimes the matai, village chief, shows up at the SPBD center meetings to formally greet the loan officers. Often, villages sternly enforce the borrower’s repayments. The strictest chiefs have a rule that if the women don’t pay back their loan, they are fined. A village’s reputation is extremely important. The matai does not want his village’s reputation tarnished by a delinquent borrower. Although this is a harsh rule, it does teach the borrowers good financial stewardship. I’ve noticed in these villages, the meetings run very smoothly, because the loan officers don’t have to chase after irresponsible clients.

Before I came to Samoa, I was most excited about talking to the women borrowers about their lives and stories. After 10 weeks here in Samoa, that is still my favorite part of my job. Every lady graciously shares her story. I feel humble every time. Here are two of my favorite stories from my stay in Samoa.

Like many Samoans, Tumua Senituri learned how to sow crops from her parents, who were farmers. Tumua inherited 3.5 acres of land from her father. But she was never able to use the land at all, because she didn’t have the resources to buy seeds, fertilizer, harvesting equipment, and other supplies. For a long time, the land was unused. Even today, Tumua only uses 2.5 of her 3.5 acres. Tumua has plans to expand her plantation over the next few years to include the last acre. Now that her business is doing well, Tumua hopes to be a role model for the other women by continuing to expand her own plantation. Using her own experience as a successful entrepreneur, Tumua advises the women on their businesses and budgeting skills. See Tumua’s full journal entry here:

Tasi Rasch raises and sells cows to other Samoans for weddings, birthdays, and other large celebrations (called falavelaves in Samoan). These celebrations often include an entire village, so an entire cow is cooked to feed the many celebrants. Her loan from SPBD has allowed her to expand her business activities to include a small plantation, which gives her a more stable income. See Tasi’s full journal entry here: You can view more pictures of Tasi and other SPBD borrowers on Samoa’s image gallery:

On behalf of Kiva and SPBD, thank you again for your continued support of entrepreneurs in Samoa.

SPBD has a new Kiva lending team. Please join the team:

Cheers from Samoa,
Athan Makansi
Kiva Fellow

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Entry regarding Salif Yattara (21e augusti 2009)

Avec ce prêt j’ai pu acheter comme prévu des matériels électroniques à savoir 5 batteries blindées, 2 panneaux satelillitaires, une dizaine de radios de marques différentes, des centaines de cassettes (K7) radio de musiques différentes, 5 antennes paraboliques, etc.
Ce prêt a contribué au changement positif de mon activité parce qu’avec ce prêt, mon stock n’a plus manqué comme d’habitude et l’offre est dorenavant à la hauteur du souhait de ma clientèle ce qui m’a permis d’avoir plus de recettes.
Le but a été réalisé car l’objectif était d’augmenter mon approvisionnement en matériels électroniques afin de pouvoir satisfaire la clientèle, améliorer le rendement ce qui est déjà fait.
Dans un avenir proche, j’envisage progresser dans mon activité et être une référence dans la ville de Sikasso. Grâce à ce prêt, j’ai pu faire face à de nombreux problèmes d’ordre familial et social. De ce fait, j’espère, après ce présent prêt, continuer ma collaboration avec Soro Yiriwaso afin de pouvoir continuer à diversifier mes activités, de commercer et à améliorer encore plus mon rendement.

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