KIVA

1) KIVA – Loan Justification Your Name:

Potential Recipient URL: http://www.kiva.org/lend/349708 Name: Rose Mtula Country: Kenya Type of Loan: Housing, Property

Criteria

1. Risk

Borrower (Credit history/Personal character): Seems hardworking (many side jobs), cares about family.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Delinquency rating: 0.81% Risk: 2.38% Default: 0%

Country Risk (Economic, Political, Natural Disaster): Natural disaster rate quite low, and the economy and politics is fairly well.

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

Potential for success: Fairly High

Potential for sustainability: Fairly High

Potential for regional economic benefit: High

3. Borrower

Perceived level of need: Above Average

Financial responsibilities/commitments of individual: Has a husband and 3 children from the ages of 6-12. Some financial responsibilities includes school fees, electricity, and food.

4. Summary I think this individual deserves our help because it seems that she is at a bare minimal in terms of money to support a comfortable lifestyle. She has many side jobs, and also a rental house she has been working with for 10 years. All those jobs symbolizes her need for the extra money. The money we loan is going towards another rental house in order for her to make more profit. In the picture, the house didn't look to be in too good of conditions, and instead of using the loan for the house, she uses it for business in order to make more money in the long run. That is why i think that she is a good candidate.