Cans For
Charity has made micro loans to the following
communities:
Đông Hải Group
Son Van Commune in Dong Hai, Thanh Hoa is by the
side of the river. The population is dispersed,
and the people suffered many hardships. Group 03
Son Van Commune, Dong Hai has 7 members. Mrs. Le
Thi Thuy Van, born 1984, is group leader.
Despite of young age, she is very active. She
heard about the Fund and encouraged her
neighbors to borrow money to find ways to change
their poor lives that have long been linked to
agriculture. Her husband is Mr. Nguyen Hong
Trung, born 1983, and they have a small
daughter. With the money, they will buy pigs and
chickens to raise. They also sell fruits in
spare time
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Five people in Sala Lek Pram village will be
forming a group. Mrs. Kimly Chay is the group
leader. She sells clothes in the local market.
Her business activity improved largely lately,
so she would like to expand her business.
Unfortunately, Mrs. Kimly Chay does not have
enough money to buy more new fashion clothes for
her customers. Thus, she decided to ask for a
loan for this purpose. Mrs. Kimly Chay is 55 and
the mother of two children, one of whom owns a
small restaurant where breakfast is sold to the
villagers. The other one is a cake maker and
seller. Her husband, Mr. Sun Erm, is unemployed
and he usually assists his wife in the market.
¡¡
Nasira Qasim's Group
Nasira Quasim is 42 years old, and her husband
is 50 years old. She resides in a two room brick
house in the city of Kasur, Pakistan. Nasira
make decorative embroidery and sells flour for a
living. She has applied for a loan of $1,200 in
order to expand her decorative embroidery
business. She has been joined by several other
entrepreneurs to form a loan group: Violet wants
a loan for her paint business; Hamidan wants a
loan for her shuttering business; Naziran wants
loan for her cycles business; and Shaheen wants
a loan for her animal food business. The loan
funds will be distributed among the group
members, each of whom will invest in their own
businesses. The members mutually guarantee one
another's loans. If one member does not repay,
the other members are responsible and will make
up the difference.
¡¡
Maimuna Hassan, 51 years old, is a widow with
four children (ages 28, 26, 24 and 20). She has
operated two businesses - a retail shop and used
clothing sales - for two years now. Working from
8 a.m. to 6 p.m. daily, she is able to make a
monthly profit of about $95. Maimuna took out
one previous loan from Tujijenge Tanzania to
start the used clothing business. She now hopes
for a new loan to increase capital for both
businesses. In the picture, Maimuna is third
from right middle row with a black scarf.
Maimuna will share this loan with her loan
group, which totals 18 members. These members
hold each other accountable in paying back their
loans.
Hussein David, age 28, is married with a one
year old daughter. He sells spare parts, which
he started one year ago. He opens his business
from 2am to 7.30pm daily and is able to make a
monthly profit of about $146.
Hussein has taken out 1 previous loan from
Tujijenge Tanzania to increase capital for his
business. He hopes to get a new loan to help
increase business. Hussein will share this loan
with his subgroup members selling clothes, soft
drinks, beer, and clothes.
In the picture Hussein is 1st on the right back
row
El
Bancomunal Los Claveles de Morenita is located
in the Huancavelica district of Yauli, Ambato.
Amidst the trees and pastures, lie the
chozas, adobe houses made with straw. The
countryside is beautiful and there are plenty of
domesticated fowl in the area, hens and
chickens. The principal activity of the
community is the production of mantas pullas
- colorful belts made of synthetic fiber and
also with Alpaca wool.
Maximiliana de la Cruz is married and has 12
children, including two sets of twins who are 3
and 8 years old and her oldest who is 25.
Maximiliana is a weaver and has pulla
looms and colorful vestments with synthetic
fibers. All of her children work with the
textiles. Some roll the threads into a ball,
others separate and others dye until they go to
high school or the university. With the loans
she has received, she has been able to expand
the business. Before she had capital, she could
only weave from 5 to 10 mantas. Now she
weaves 30 to 40 mantas and brings them
to the large markets. At the Bancomunal,
Maximiliana has received workshops that have
helped her greatly. She serves on the executive
board as the finance officer. She considers
herself to be very punctual and has learned how
to save money. Maximiliana needs a loan to buy
an additional loom. Her dream is to own a big
business with 30 looms. She is saving to buy a
mending machine.
Isabel Acuna is married with 5 children between
the ages of 4 and 14. Isabel began her business
selling sweets in the school. Thanks to an
inicial loan she received from FINCA, she opened
a cafeteria in the school where the teachers and
nurses take their meals. Isabel learned to cook
and believes this opened her up to a big
opportunity. She has had difficulties in her
life. She was operated on for an ovarian cyst
and spent time in recovery. Her husband helped
her, but it wasn't the same and the clientele
decreased. Isabel is president of the mothers'
club in her community. She thanks FINCA because
she has learned many things such as how to
direct people, do business with them and see the
necessities of her group. Isabel tells us that
she has changed as a person. She is going to
invest her loan by purchasing dried vegetables
and bringing them to Lima, the capital. Her
dream is that her children receive a higher
education. She is going to save so that her five
children can study.
Teresa Castillo is married and has 7 children.
She began her business selling cheese from a
pail in the streets. Thanks to the arrival of
FINCA Peru to her town, she was able to receive
a loan and buy more cheese. Other groups asked
for many things and certifications while all she
had was her small adobe house and some cattle.
She has faced difficulties in her life, such as
the death of her 27-year-old son. Her
grandchildren were left alone and she has to
work hard to take care of them. Teresa received
workshops on how to save money. Before she was
very quiet, now she knows how to express
herself. Her dream is to buy a car. With the
credit she received from FINCA she will buy more
cheese and also eggs to sell.
The St. Joseph of Ñahuinpuquio Village Bank
(loan group) is loacted in Huancavelica state.
This community is located on the highway to
Huancayo, where ¡°La Morenada,¡± a traditional
Carnaval dance, brings community members
together. There is a lot of commerce and
agriculture in the region; local produce is
exported to Huancayo and other cities.
Maria Victoria is married and has five children.
She sells potatoes and vegetables in the
Acobamba and Izachaca Markets. She says that
before FINCA (Kiva's Field Partner) came, there
were no loans for the people of her village, or
if there were, banks asked them for property
titles or other financial guarantees. With the
help of her FINCA loans, Maria Victoria buys
more vegetables in Huancayo and earns more. Her
dream is to open a dry goods store.
Luz Velasquez is married and has two children.
She sells gasoline and also has a store in the
town center. Thanks to her village bank, she is
learning to be more responsible and to save. Her
dream is to own her own home. Currently she
lives with her in-laws.
Hermitania Huaman is married and has two
children. She sells vegetables and a little meat
in local markets. With her loans, she would like
to expand her business to better serve her
clients. She would like to have her own tractor
for plantings and harvests. Translated from
Spanish by Cynthia McMurry, Kiva Fellow El
Bancomunal San Jos¨¦ de Ñahuinpuquio, esta
ubicado en el departamento de Huancavelica, esta
comunidad se encuentra ubicado de la carretera
cerca de la ciudad de Huancayo, done el folclor
de la morenada re¨²ne a todos los comuneros, hay
bastantes agricultores, donde exportan para a
Huancayo y otras ciudades, es una zona bastante
agr¨ªcola, hay mucho comercio.
Maria Victoria, es casada, tiene 5 hijos, vende
papa y verduras en las ferias de Acostambo e
Izcuchaca, ella manifiesta que antes no hab¨ªa
prestamos para la gente de su pueblo, los bancos
le ped¨ªan aval, t¨ªtulos de propiedad, etc. Con
la ayuda de sus prestamos Maria Victoria compra
mas verduras en Huancayo y as¨ª obtiene mas
ganancias. Su sueño es abrir una tienda de
abarrotes.
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