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I hope to help Cindy Guissell from Nicaragua. A loan will help her to buy packs of second-hand clothes, and in this way grow her business. She has experience of selling second-hand clothes for 8 years in this area.
Cindy is very sure of her ability, and in a short term future, she plans to convert her second-hand clothes business in a luxury boutique of new clothes for women, men, and children.

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Cindy is a young 25 year old college woman, the mother of two small children for whom she tirelessly struggles so they do not lack anything at home. She works selling second hand clothes at a small store in her home, and she has an experience of eight years. Since she started her business, she has had the unconditional support of her family and husband.
Cindy has come to KIVA together with MiCrédito with the hope of receiving a loan to buy packs of second hand clothes to grow her business. Cindy is very sure of her ability, and in a short term future, she plans to convert her second hand clothes business in a luxury boutique of new clothes for women, men and children.

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Translated from Spanish by Kiva volunteer Patricia Mueller. View original language description.

Cindy es una joven universitaria de 25 años de edad, madre de dos pequeños niños por los que lucha incansablemente para que no les falte nada en el hogar. Ella se dedica a vender ropa usada en un pequeño local de su hogar, y cuenta con la experiencia de ocho años. Desde que inició en su negocio, ha contado con el apoyo incondicional de su familia y esposo. La joven Cindy ha tocado las puertas de KIVA junto a MiCrédito con la esperanza de recibir un financiamiento para comprar pacas de ropa usada y de ese modo poder agrandar su negocio. Cindy muy segura de su capacidad, aún futuro a corto plazo piensa convertir su negocio de vestimenta usada, en una lujosa boutique de ropa nueva para damas, caballeros y niños.

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Cindy is a young 25 year old college woman, the mother of two small children for whom she tirelessly struggles so they do not lack anything at home. She works selling second hand clothes at a small store in her home, and she has an experience of eight years.

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Cindy Guissell

A loan of $800 helps Cindy Guissell her to buy packs of second hand clothes, and in this way grow her business.

Nicaragua

Clothing | Used Clothing

93% funded

Cindy is a young 25 year old college woman, the mother of two small children for whom she tirelessly struggles so they do not lack anything at home. She works selling second hand clothes at a small store in her home, and she has an experience of eight years. Since she started her business, she has had the unconditional support of her family and husband. Cindy has come to KIVA together with MiCrédito with the hope of receiving a loan to buy packs of second hand clothes to grow her business. Cindy is very sure of her ability, and in a short term future, she plans to convert her second hand clothes business in a luxury boutique of new clothes for women, men and children.

Learn more about Cindy Guissell's Loan >

Loans that change lives

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I've chosen Jibu because this loan helps increase delivery of safe drinking water to customers under COVID-19 lockdowns. Jibu is a social enterprise that create affordable access to drinking water. Jibu is located in Uganda. Through Jibu, more people will be able to receive and use water.

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Kiva is able to reach borrowers around the world through our network of local organizations who work to administer loans on the ground. Many of these Field Partners are facing unprecedented challenges resulting from the COVID-19 pandemic. This loan is part of Kiva's Crisis Support Loan program to assist our Field Partners directly so they can continue to support our borrowers. Because it is part of a pilot program, this loan may have higher risk. Learn more here.

Jibu is a social enterprise that capitalizes and equips emerging market entrepreneurs to create affordable access to drinking water. Jibu has worked with Kiva to provide loans to borrowers in Rwanda, Uganda, Kenya, and the Democratic Republic of Congo (DRC) since 2017. During that time, Kiva lenders have helped them support over 68 entrepreneurs with more than $594,000 lent through the Kiva platform. Kiva is proud of our work with Jibu, which enables small business support, job creation, and access to safe drinking water.

Amidst lockdowns, Jibu must increase delivery capacity as quickly as possible. Prior to lockdowns, most Jibu customers picked up water from Jibu shops but now need delivery at home. This loan will be used to support Jibu's franchise network, including increasing delivery capacity, procuring hygienic gear for customer-facing staff, and providing subsidies to franchises for increased operating expenses.

Photos include Jibu entrepreneurs, Joyce, Jeanette, Dennis, and Erina, as well as their staff.

This loan helps Field Partners withstand negative economic impacts of the COVID-19 pandemic.

This loan is part of Kiva's efforts to support our Field Partners and borrowers impacted by the Coronavirus pandemic. Traditionally, Kiva works with our Field Partners by allowing them to fundraise individual or group loans for their borrowers on the Kiva site. This larger loan, however, is part of our new Crisis Support Loan program, meaning the Field Partner is the borrower.

In hearing from our partners since the start of the Coronavirus crisis, many have had day-to-day operations impacted by lockdowns, not being able to work from their office, and being unable to visit borrowers in the field. Just as local businesses are struggling around the world with the new reality, our Field Partners are facing new challenges on an institutional level. The Crisis Support Loan program is designed to meet these needs, providing working capital loans to support the organizations that make Kiva's work on the ground possible and position them to continue to support borrowers in their community as they are able to during and after the crisis.

About Jibu:

Jibu is a social enterprise tackling the drinking water and unemployment crises by training local workers to be successful social entrepreneurs with drinking water franchises. Jibu uses Kiva financing to provide credit to entrepreneurs to launch a franchise, or purchase water bottle inventory and delivery vehicles once established, allowing franchisees to quickly scale up their businesses.

Field Partner: Jibu

Why Kiva works with this partner:

Kiva supports Jibu's work to provide low-income individuals with professional development opportunities to become successful social entrepreneurs and give their communities access to safe drinking water.

What is a Field Partner?

Why Kiva works with this partner:

Kiva supports Jibu's work to provide low-income individuals with professional development opportunities to become successful social entrepreneurs and give their communities access to safe drinking water.

What is a Field Partner?

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

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Kiva is able to reach borrowers around the world through our network of local organizations who work to administer loans on the ground. Many of these Field Partners are facing unprecedented challenges resulting from the COVID-19 pandemic. This loan is part of Kiva's Crisis Support Loan program to assist our Field Partners directly so they can continue to support our borrowers.

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Jibu

A loan of $100,000 helps Jibu increase delivery of safe drinking water to customers under COVID-19 lockdowns.

Uganda

Services | Water Distribution

91% funded

Kiva is able to reach borrowers around the world through our network of local organizations who work to administer loans on the ground. Many of these Field Partners are facing unprecedented challenges resulting from the COVID-19 pandemic. This loan is part of Kiva’s Crisis Support Loan program to assist our Field Partners directly so they can continue to support our borrowers. Because it is part of a pilot program, this loan may have higher risk. Learn more here . Jibu is a social enterprise that capitalizes and equips emerging market entrepreneurs to create affordable access to drinking water. Jibu has worked with Kiva to provide loans to borrowers in Rwanda, Uganda, Kenya, and the Democratic Republic of Congo (DRC) since 2017. During that time, Kiva lenders have helped them support over 68 entrepreneurs with more than $594,000 lent through the Kiva platform. Kiva is proud of our work with Jibu, which enables small business support, job creation, and access to safe drinking water. Amidst lockdowns, Jibu must increase delivery capacity as quickly as possible. Prior to lockdowns, most Jibu customers picked up water from Jibu shops but now need delivery at home. This loan will be used to support Jibu’s franchise network, including increasing delivery capacity, procuring hygienic gear for customer-facing staff, and providing subsidies to franchises for increased operating expenses. Photos include Jibu entrepreneurs, Joyce, Jeanette, Dennis, and Erina, as well as their staff.

Learn more about Jibu's Loan >

Loans that change lives

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.To prevent COVID 19, social distance was practiced. I stayed home almost all the time. And when I get out of the home, I wear masks. For environmental issues, I try to reduce the use of disposable products. For example, I use tumblers and not wooden chopsticks, but iron chopsticks. Also, I usually use public transportation. In addition, I do not post malicious comments on the Internet

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I've chosen her because she is also helpful for other women or girls who need productive assets such as sewing machines. Because it is easy to buy them through her to own their micro-enterprises. She not only  gives personalized financial literacy training, but also connects them with the market. Most of all, she needs this loan because of COVID-19 and I selected it as an urgent problem in advance.

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100%

funded

Nairobi, Nairobi County, Kenya / Clothing

Cherehani Africa's loan finished fundraising, but these other borrowers need your support

A loan helped to increase the income of women entrepreneurs in rural Kenya and continue to serve customers during this time of pandemic.

Cherehani Africa's story

There are more than 6 million women-owned enterprises in Kenya, but over 80% of women in rural and underserved areas are excluded from the financial system due to financial illiteracy and lack of traditional assets. Cherehani provides credit and productive assets such as sewing machines on credit to women and girls aged 17-19 years who own micro-enterprises. Along with personalized financial literacy training, Cherehani connects its clients with markets to sell their final products. Their customers are tailors, farmers, retail shop owners, and food vendors. In the last year, Cherehani served over 13,000 customers, most of whom live on roughly USD $7 per day. Customers on average have gained USD $139 in annual income. Like many businesses around the world, Cherehani is unable to operate normally as a result of the crisis, leading to a need for flexible working capital to procure sewing machines for their customers. This loan of $100,000 will help Cherehani weather this crisis and be in a position to continue to serve their customers in the aftermath of the pandemic. This is the second Kiva loan to Cherehani. View Cherehani's last loan here. On a recent field visit, Kiva's Media team produced this video featuring Cherehani's work.

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Nairobi, Nairobi County, Kenya / Clothing Cherehani Africa's loan finished fundraising, but these other borrowers need your support A loan helped to increase the income of women entrepreneurs in rural Kenya and continue to serve customers during this time of pandemic.

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About COVID-19, I totally agree with Yerin and Daeun. It's simple, but sure way to protect myself and others.
I tried to see materials about environmental problems often to make me wake up. In real life, It's hard to maintain decisions or actions for this. So I saw materials, took action 1 week, and forget about it!  Again, I saw materials, took action 4 days, and forget about it! Of course, this is not the best way but it has been my way to keep a long time. So I wish others try this method little by little and often.

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When it comes to environmental problems, all human activities are reasons. Factory operation and engine exhaust from vehicles cause air pollution. We use many plastic products, but we don't know how to handle plastic garbage.
About COVID-19, I saw the article saying that bats are the source of it. But there's intermediate host deliver virus from bats to humans. As far as I know, It needs time to find the intermediate host, so noting discovered.
Besides, I guess why some of the media report fake news. I think It may be noise marketing, the intention to draw attention (elsewhere). Or something is secretly connected to the corporation's profit. The worst case is they are not interested in sustaining fairness and objectivity.

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It's not too much to say that many problems we faced with every day are caused by COVID-19. Like our comments, It really changes the world upside down. The reason why I think COVID-19 is the most urgent is that It makes me feel like there's no days like past. As Daeun's said, there's no vaccine for Corona various. But finding secrets and vaccines for this doesn't mean It's over! Viruses will continue to transform and we must continue to research and develop a medicine. Since COVID-19 spreads all over the world, maybe the war against the virus begins. Justly, our lifestyle will change too. (Oh... our lifestyle has changed already)
Furthermore, I think some of the media reporting distorted/untested information makes things worse. Because of it, people confuse, believe fake news, and make a wrong choice without knowing.

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I think nobody can deny COVID-19 is the biggest problem in the world now. The limit of people activities destroys the basic condition of our wold. So world, nations, organizations, individuals we're suffered by unexpected trouble. However, If COVID-19 was not spread these days, I would choose environmental issues for the biggest problem. You know, the cause of the environmental problem is accumulated. I saw the expert said, "It's unclear to overcome the worst situation, although we take action to solve this problem right now." This is directly related to our living place, The earth. Some people don't feel actually, but we are under area about influence. Think about fine dust and fine particulate matter. Ironically, environmental self-sustaining power revive after COVID-19 was spread.

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-Global Warming-
Strong countries are responsible for emitting carbon dioxide as they carry out reckless development for convenience.
-Cyber crime-
Cyber space is invisible and can be guaranteed anonymity. Once circulated, it is difficult to permanently delete illegal photographs as they are re-distributed.

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As Yerin and Daeun said, I agree that COVID 19 is the most urgent problem globally. In addition, In Daeun's opinion, I think strengthening regulations on the cyber crime  is one of the urgent issues in Korea.  And this will start with a thorough investigation into the No.N Room.  Revealing the identities of paid members and strong punishment will prevent similar crimes and ease the pain of victims suffering from secondary and tertiary abuse. Also, the level of punishment of bad comments about celebrities should be strengthened so that there are no more celebrities taking their lives.

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I think the global warming is the biggest environmental problem. Because global warming is destroying the habitats and ecosystems of humans, animals and plants. Problems caused by global warming include animal and plant extinction, rising sea levels, desertification, and increased extreme weather and heat waves, etc. Lack of water for agriculture and industrial water also leads to a decline in agricultural yields in human life. There are climate change refugees. Direct damage has been reported in the South Pacific island countries such as Fiji, Tuvalu and Kiribati, and climate refugees are estimated to reach 100 million by 2050.

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Discussion (2): Choose a Borrower for a Class Microloan

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Discussion (2): Choose a Borrower for a Class Microloan

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Name : Agnes

From : Vihiga, Kenya

She buy fruits and vegetables for her grocery business to make more profit in order to support her children.

I have a philosophy of donation, which we should not give them unconditional support, but help them find a vision on their own. It would be better to support her because she has plans on what to do with the money and also has visions in her business. She also needs a foundation to give her children a vision.

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Field Partner: Juhudi Kilimo

Why Kiva works with this partner:

Like Kiva, Juhudi is committed to alleviating poverty, promoting entrepreneurship and creating employment opportunities in rural Kenya. The organization provides financing to smallholder farmers and enterprises to help them obtain a variety of income-producing assets. Through these loans, Juhudi is helping to build business capacity, increase incomes of marginalized people, and increase services available in rural communities.

Additionally, as part of its social mission, Juhudi is interested in reaching out to more women clients to help them establish businesses and become financially independent. Kiva is happy to help the organization expand its services in Kenya and reach more women borrowers.

What is a Field Partner?

Why Kiva works with this partner:

Like Kiva, Juhudi is committed to alleviating poverty, promoting entrepreneurship and creating employment opportunities in rural Kenya. The organization provides financing to smallholder farmers and enterprises to help them obtain a variety of income-producing assets. Through these loans, Juhudi is helping to build business capacity, increase incomes of marginalized people, and increase services available in rural communities.

Additionally, as part of its social mission, Juhudi is interested in reaching out to more women clients to help them establish businesses and become financially independent. Kiva is happy to help the organization expand its services in Kenya and reach more women borrowers.

What is a Field Partner?

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

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Field Partner: Juhudi Kilimo Why Kiva works with this partner: Like Kiva, Juhudi is committed to alleviating poverty, promoting entrepreneurship and creating employment opportunities in rural Kenya. The organization provides financing to smallholder farmers and enterprises to help them obtain a variety of income-producing assets.

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Agnes

A loan of $1,350 helps Agnes to buy fruits and vegetables for her grocery business to make more profit in order to support her children.

Kenya

Food | Fruits & Vegetables

50% funded

Agnes lives in Vihiga, a favorable area for farming. She is a crop and dairy farmer. In this region, there is a high rate of poverty and unemployment, especially for women. Her background was challenging, being brought up in a family that had been hit by poverty. Despite these challenges, Agnes always works hard to ensure that she is able to lift herself out of the situation and give her family a healthy living. She has always wanted to change the lives of her children by providing them with a better life. Agnes is requesting this loan to buy fruits and vegetables for her grocery business. She will use her market knowledge to fix a good market price for her products. The additional profit she earns will be saved for the education of her children and used for loan repayments. Agnes will also help other farmers in her place of residence, since she will create a good market for their commodities. Employment will therefore be created in this village. This can only come true if you extend your goodwill to her. Kindly lend to this industrious woman today!

Learn more about Agnes's Loan >

Loans that change lives

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I feel the same way with you, Daeun. I always wear the masks wherever I go, but some people don't. I feel bad when I saw them, and I think we should not settle for the present but keep going. COVID 19 is not disappeared yet.

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I think China's media control and late response, which is thought to have started COVID 19, is the starting point.

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Just like Daeun's opinion, the most pressing and urgent thing to be done is COVID 19. To add a little more to her opinion, COVID 19 is a big issue around the world wide. In India, people were going to work, ignoring the government's notice of self-quarantine. Residents said it was the same whether they died of COVID 19 or starved to death because they could not work and had no wages. With the explosion of COVID 19, the problems buried around the world seem to come toward to us. Racism, 'the rich-get-richer, the poor get poorer', and it turned out to be a situation in which the country could not help the economically poor. Therefore, even putting aside these problems, it seems that COVID 19 must end first to save people and give them a better life.

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(I also posted it on the comments) I always wear a mask when I go out. I never wear it off outside and back home as quickly as possible after just doing what I should do. I wish others would wear a mask when they use public transportation... :( There were and are too many people who don't wear masks. To my surprise, I found (from my experiences) people who don't wear masks tend to coughed more than who do. I'm upset about this situation.

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(I also posted it on the comments)There are no exact causes revealed even now. But many of experts guessed this virus is from bats at first.

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(I also posted it on the comments)The most urgent problem is COVID-19 I think. It really limits people's life, even their livings. It makes people depressed, called Corona Blues... It has influenced not only people's physical health but also mental health so badly for a long time. And it's really really big problem because there are still many secrets that we can't find and there's no vaccine yet. We all don't know when it finishes...

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(I also posted it on the comments) I agree with 예린. COVID-19 changed our lives a lot and it advances future lifestyle. And I think Internet space is one of the biggest problems. Technology has developed rapidly, and there are so many people who abuse its convenience. So we need the education about its side effects and correct using(not only good aspects!!). And also we need to make laws to protect users' privacy against big data(if users want) and to punish bad people. However, related system can't follow its developing speed and application. In addition, education pay light attention to its side effects.

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(I also wrote this in comment.) There are so many issues and problems all over the world, but the big problem right now is COVID 19. Our country didn't have the virus. However, as people coming from abroad are infected, it has a huge impact on the entire Republic of Korea. This has caused changes in our lives, made us economically depressed, and made us socially distant because of the rapid spread. Aren't we doing our assignments at home, listening to cyber lectures, not going to school right now?In addition, viruses like COVID 19, which spread between humans and humans, have become more vulnerable to spreading around the world, many are dying, the world is cut off, unable to do its job, and the poor are poorer. For them, the only option left is to die of COVID 19 or starve to death. Therefore, I think this is the biggest problem nowadays.

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What are you doing to help solve or improve these problems? What do you wish others would about them now?

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What are you doing to help solve or improve these problems? What do you wish others would about them now?

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What do you know about the causes of these problems? (If you have references, please post them!)

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What do you know about the causes of these problems? (If you have references, please post them!)

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Which of these problems are the most pressing or urgent? Why?

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Which of these problems are the most pressing or urgent? Why?

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What do you think are the biggest problems in the world today, both local and global? Why?

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What do you think are the biggest problems in the world today, both local and global? Why?