KIVA

KIVA – Loan Justification Your Name:Rayanne

Potential Recipient URL: http://www.kiva.org/lend/343077 Name:Tamam Al-Qanou' Country:Palestine Type of Loan: Transportation

Criteria

1. Risk.

Borrower (Credit history/Personal character): No Credit History. Wants to help her husband out so he can increase the family income.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk Rating: 4.53% Delinquency rate: 0.45% Default rate: 0.00%

Country Risk (Economic, Political, Natural Disaster) economic- The country isn't well-off. Political- There has been a lot of political unrest in Palestin, which could cause other problems in the country. Natral disaster- There is quite a rare risk of natural disasters happening, as Palestine has only had a couple.

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

Potential for success: Since he already drives an older taxi and is able to make a living, this new taxi will increase his work hours and enable him to make more money for his family. His preious success will grow from here, his potential is very high. Potential for sustainability: He would be able to sustain what he has/gets because if he needs more money, he has the ability to earn more. His transportation business will be able to stay consistent. Potential for regional economic benefit: His business will help contribute to the economy because, through paying his taxes and providing service to help others, he will be able to buy/pay for more which will contribute to other areas, such as retail. 3. Borrower

Perceived level of need: The level isn't too high because he already has a taxi that he is able to work with. I would say that the level would be medium because he needs more money in order to buy something that will help, not only him and his family, but people that use his services. He will also be putting money back into the economy. Financial responsibilities/commitments of individual: He has to pay for gas, insurance/ whatever is needed in order to maintain his current taxi and get it serviced. He also has to pay for him and his wife's living expenses, as well as paying his taxes.

4. Summary I think that Tamam Al-Quanou' would be able to benefit from this loan because he will be able to make more money than what he is currently making, so he would be able to repay us fairly quick. Also, his business would grow from where it already is and it can't get smaller, it can only increase. He would also be helping people in his community because they use his services.

KIVA – Loan Justification Your Name:Rayanne

Potential Recipient URL: [] Name:Susan Nakami Country:Uganda Type of Loan:Food

Criteria

1. Risk

Borrower (Credit history/Personal character): Susan has no listed credit history. She wants to expand her business so she can help others and her own children. She seems like a giving person both ways and isn't just doing one thing to satisfy another. She is also a single mother, which, from my knowledge, is pretty tough to be so she probably does a lot in her life and needs to have a strong character in order to do so. Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk rating: 0.47% Delinquency rate: 0.26% Default rate: 0.01%

Country Risk (Economic, Political, Natural Disaster) Economic- Their economy has a lot of natural resouces so a lot of agricultural work is done. Prices have been hired, but one risk of their economy is in Sudan because that is Uganda's biggest export partner and Uganda is a main destination for Sudanese refugees. Political- As far as I know, there haven't been any big issues with Uganda's political side. However, its history has been very unsettled. Natural disaster- Uganda has had several natural disasters. Epidemics have been the worst, amoung floods and droughts. I believe Uganda has had one or two earthquakes and tsunami's in the past. The risk for a natural disaster is medium. 2. Business Plan - [|Small Business Start Ups]

Potential for success: Susan has a high potential for success because the food she will buy is in high demand because of all the famines occuring in Uganda. Not only her previous customers will still buy from her, but others will start buying from her to. She will expand her business with everything that she has to offer.

Potential for sustainability: Her business should stay stable as famines break out quite often where she lives and her business will only get bigger because it can't get ay smaller and her business is doing well right now. She will offer food and household items which are things that never go out of need. Her potential for sustainability is pretty good!

Potential for regional economic benefit: She would be able to benefit her economy by putting the money she borrows back into the economy when she buys more. Her food would benefit the economy because the more she sells the more she is able to buy and her money will keep going back into the economy. 3. Borrower

Perceived level of need: Her level of need would be about medium-high because she is just able to survive on what she has now and with this loan she can help many other people, as well as her and her family. She can increase the amount of food sold in her region, but she is still able to survive on what she has now. Financial responsibilities/commitments of individual: Susan already has to pay for her own bills, she has a large family to support an needs to pay for her childrens education. She also already has to buy supplies for the store that she has.

4. Summary Susan will be able to benefit from this loan because she will be able to help her own family out and greatly benefit others who are suffering from famine, where she lives. She can expand her business and make a lot more money, especially because what she will buy is in high demand. She will be putting back into her economy and she can generate greater profits.