Kiva

KIVA – Loan Justification Your Name: Jennifer Chen

Potential Recipient URL: [] Name: Neyd Country: Brazil Type of Loan:

Criteria

1. Risk

Borrower (Credit history/Personal character): She is a single mom, so she must care about her child a lot, so I believe that she will make the best out of this money.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: 4 stars Delinquency: 3.21% Default Rate: 0.14%

Country Risk (Economic, Political, Natural Disaster) Brazil is a pretty ok country, it doesn't have much natual disaster.

2. Business Plan - [|Small Business Start Ups]

Potential for success: Well I believe that she will try her best with the money, but she might not have the power to put up a huge business, the fact that she is still very young. But I think she will try way harder the fact that she knows she may do as good. Potential for sustainability: It's pretty good, she is using this money to start a reaturant for herself, it should be good for the country and for herself too. Potential for regional economic benefit: The resturant will beneifits the city too, and it will helps her life better. 3. Borrower

Perceived level of need: I think she really needs the money, the fact that she is a single mom, and she doesn't have much support other than her partner. Financial responsibilities/commitments of individual: She has to support herself and her very young daughter, so it won't be easy for her.

4. Summary I will love to loan the money to her, the fact that I think she really needs the money because her daughter is very young, and she doesn't have much other supports for her. And she needs to feed herself, and her daughter too.

KIVA – Loan Justification Your Name:

Potential Recipient URL: [] Name: Mountaha Country: Iraq Type of Loan:

Criteria

1. Risk

Borrower (Credit history/Personal character): She is a married women and she has kids, so i think she has a pretty stayble family, and those are the people that you can trust. Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk rating: 4 stars Delinquency: 0.43% Default: 0.00% Country Risk (Economic, Political, Natural Disaster) Iraq might has some disasters, but that means those people needs way more help.

2. Business Plan - [|Small Business Start Ups]

Potential for success: People loves gifts, and a gift shop can make quite a bit of money at holidays seasons. Potential for sustainability: It will benefits the city, people shops for gifts and stuff, so a gift shop will be nice. Potential for regional economic benefit: The gift shop can has some school supplies and decorations, and those a re great for the holidays seasons. 3. Borrower

Perceived level of need: I think she really needs the money, the fact that her husband is the only one who is supporting the children right now. So she really needs to help him out. Financial responsibilities/commitments of individual: She needs to support herself and her children and her husband too.

4. Summary I will love to give the money to her, she really needs it, and i like her idea for the holidays season, so she will need the money, and i think she will make the best out of it.