Posts tagged ‘Kiva Field Partners’

A Day in the Life of a Loan Officer: Comparing Honduras, Colombia and the United States

By Rose Larsen, KF19 Colombia, with excerpts provided by Wesley Schrock, KF19 Honduras, and Luan Nio, KF18 Nicaragua/KF19 United States

Loan officers are the hidden heroes behind the Kiva model.

Lenders, borrowers, Kiva staff and Kiva fellows all show their beautiful faces somewhere on Kiva.org, and while Kiva’s field partners have profiles of their own, there is little explanation or clarity behind who actually, physically, goes to the clients’ businesses, evaluates their requests, delivers loans and picks up repayments (hint: it’s loan officers!). Likewise, loan officers have varying degrees of knowledge about (or interest in) what Kiva is – some are enthusiastic supporters, while others are just doing their job, the photos and borrower profile information just one extra step as they navigate the hundreds of borrowers that they work with.

Yet in my experience, no matter what their attitude is towards Kiva, these loan officers care deeply about their clients, are well known in their sector or neighborhood, and work long hours to ensure that anyone who wants a loan has the chance to apply for one.

I got to know quite a few while here in Colombia, as I accompanied a different loan officer on each trip to the field. Loan officers are often a Kiva Fellow’s best friend in the field, so I asked a few other fellows what their experiences with loan officers was like.

Unsurprisingly, just as all of our field partners vary immensely, the jobs and lives of the loan officers vary across different regions. To give you a better idea of what a somewhat hidden yet key part of the Kiva process looks like, we’ll travel around the world visiting three different microfinance institutions and getting to know three different loan officers, learning about why they do the work that they do, and seeing a little bit of their daily routine.

Loan Officer #1: Jarling, Loan Officer with COMIXMUL, Honduras

Kiva Fellow: Wesley Schrock, KF19 Honduras

MFI Background:  COMIXMUL is a savings and loan cooperative exclusively for women in Honduras. They are a new Kiva field partner and have yet to post a loan to the site (although they might have a few up by the time this blog is posted).   COMIXMUL hopes to fund three specific products on Kiva: agriculture loans, youth entrepreneurship loans and solar panel loans – all products for which traditional funding is limited.

Personal Background:  Jarling, who has worked as COMIXMUL loan officer for 3 years, is 30 years old, married, and has 2 children.  Previously, he worked as a sales representative for a drinking water company.   This sales and customer service experience made him an ideal candidate for COMIXMUL’s loan officer training program.  After successfully completing 2 months of training, Jarling was a full-fledged loan officer, responsible for building and maintaining his own loan portfolio.  Unlike his previous employer, COMIXMUL offers a competitive salary, a benefits package, and the opportunity for career advancement.

In the Office:  Loan officers work Monday through Friday from 8AM – 5PM and Saturday from 8AM – 12PM.  The day begins and ends in the office, which Jarling walks to and from.  Administrative duties, like making sure a client’s loan application materials are in order, require an hour or two at the start and end of each day.  Jarling works out of a shared office, but has his own small desk with a desktop computer.   While clients do not use email, all clients have mobile phones.  Hence, all client communication is done in person or over the phone.

In the Field:  The majority of the day is spent riding around on a COMIXMUL-owned motorcycle visiting existing clients or promoting the cooperative in an effort to gain new members.  Jarling might visit an existing client simply as a courtesy, but more likely because the client is delinquent, or wants to refinance an existing loan, or is seeking a new loan.  He manages a portfolio of 110 clients whose businesses include convenience stores, food stands or restaurants, new and used clothing stores, bakeries, and pastry shops.  The day’s schedule permitting, lunch is taken at home; however, he often has to lunch in restaurants or food stands.

*In the video, Jarling is meeting with a client, Maria, who runs two clothing stores.  COMIXMUL has helped her to expand her business; when she started with the cooperative 3 years ago, she had only 1 store.  Jarling paid Maria a visit because she was over a week late in making her December loan payment.  Given Maria’s excellent repayment history, the tone of the visit was friendly; Jarling just wanted to find out the reason for the delinquency.  Maria explained that she had extra holiday expenses, but promised to make the repayment the following week.  Taking her for her word, Jarling amicably departed.

Implementing Kiva:  Jarling has moved up the ladder at COMIXMUL: as a veteran loan officer he now serves an exclusively urban clientele.  His initial territory was a rural area, in which agricultural loans predominate.  From a loan officer perspective, an urban clientele is more desirable because urban areas are easier to serve – distances are shorter, mobile phone reception is better, and the routes are safer.   Given his territory, Jarling will only be working with one Kiva product, youth entrepreneurship loans.  COMIXMUL’s established processes mimic the Kiva model: loan officers are accustomed to taking client photos, writing client biographies, and tracking client progress.  Hence, he doesn’t anticipate that implementing Kiva will pose significant challenges.

Loan Officer #2: Mario, Loan Officer with Fundación Mario Santo Domingo, Colombia

Kiva Fellow: Rose Larsen, KF19 Colombia

MFI Background: Fundación Mario Santo Domingo (FMSD) has been with Kiva for over three years, and has been working in the microfinance sector for more than 30 years. They work primarily with borrowers on the Caribbean coast, in the cities of Barranquilla and Cartagena. Most of their loans are for traditional urban businesses like beauty salons, corner stores and fruit stands. They also have many other social projects, including trainings for entrepreneurs, affordable housing projects, and even an ecological high school for poor children on Isla Baru.

Personal Background: Mario has been a loan officer for FMSD for almost 21 years. He studied accounting and financial administration at a local university, and says that he never imagined working as a loan officer. However, one of his professors was also a director at FMSD and encouraged him to take the exam to become a loan officer. Mario lives in a northern neighborhood in Barranquilla with his wife and two children, and has been assigned a variety of neighborhoods in the southern sectors to work in. FMSD helped him buy a car through loans, so now he is easily able to cover the wide swath of city he has been assigned. Though it is challenging to deal with so many clients, and to often have to sort through difficult situations, Mario loves that his job allows him to work with people, and seeing people improve their lives through microloans makes it all worth it to him.

In the Office: Mario generally spends mornings in the office, working from 8 to 12:30 processing paperwork, organizing clients’ loan applications, and calling clients. His phone is constantly ringing with calls from both current and potential clients. He also attends weekly credit committee meetings with other loan officers and his boss, to discuss new clients and determine whether or not they will receive loans.

In the Field: Mario’s afternoons are spent in the field, visiting clients all over Barranquilla. After stopping home for lunch, he heads out in his car to visit new clients, check in on current clients and follow up with clients who have finished their loans. Mario currently manages 260 clients, visiting 4 or 5 per day when he needs new information from them, or up to 9 when he’s just checking in to see how they are doing. Another important part of an FMSD loan officer’s job is promotions, or attracting new clients – Mario is constantly looking around for new businesses near his current clients to offer loans to.

On the day I spent with Mario, we spent time with 3 clients and stopped in to say hello to 2 more. One visit was with a seamstress who was asking for a non-Kiva loan (any loan over $1500 is provided with FMSD’s other funding source, although it has a higher interest rate), another visit was with a new Kiva client, a woman selling lotions and perfumes out of her home, and the final visit was to check in on a client who wanted a new loan but couldn’t find a co-signer to back the loan.

Implementing Kiva: Mario is a great believer in Kiva, even though taking photos of clients and filling out Kiva forms adds some extra time to his work. Though there are many other banks and NGOs providing loans in Barranquilla, Mario says that working with Kiva distinguishes FMSD from the rest.

Making a difference: There is no doubt that the loan officer job is very difficult. Mario struggles to maintain positive relationships even with clients who are constantly late with repayments. But he knows that he is making a difference not only in the lives of individual clients, but in Colombia as a whole. When FMSD first started giving out loans in 1984, it was the only player in the field. Now, many commercial banks and other organizations are giving out loans too, and Colombia is becoming more developed. He notes that by offering his clients, many of whom are very poor, access to financial services, he is giving them more confidence in themselves. They see that someone trusts them to take out a loan and this encourages them to follow their dreams and work hard to improve their lives.

But don’t take my word for it, check out what Mario has to say about whether a loan officer’s job is fulfilling or not:

Loan Officer #3: Nick, Loan Officer with ACCION San Diego, USA

Kiva Fellow: Luan Nio, KF19 United States

MFI Background: ACCION San Diego is one branch of a microfinance institution that operates all across the US as well as internationally. They are new to Kiva, with just four months on Kiva’s site and 23 loans so far. They help small business owners and entrepreneurs in the San Diego area get funding, which can be complicated for new businesses in the US, and also offer business training and workshops on important subjects like marketing, finance, and legal issues.

Differences between US partners and international partners: Luan is unique in that she worked with a partner in Nicaragua as a member of KF18, and now is serving in the US in KF19. She offers some perspective on the differences in loan officers’ roles in the US versus a less developed country:

Based on my experience between Nicaragua and the US, the main differences I can see are as follows:

  • More use of technology here, especially when communicating with clients. Loan officers here are more often in the office than in the field because they use e-mail and phone more, and they have fast cars and highways so site visits don’t require much time. Everyone here has internet and some people (including loan officer Nick) have 2 computer screens.
  • Both clients and loan officers here fully grasp the idea of Kiva and are able to exploit it to the fullest. ACCION SD, for example, aims to do mostly videos for both new borrower profiles as well as for journals. Kiva clients here may use their Kiva profile for marketing, though we haven’t seen this yet since ACCION SD is just getting started with Kiva.
  • Here, Kiva lenders and Kiva borrowers often live in the same country, so the borrower-lender connection might be stronger. You can actually visit the business you lent to in person here. It is therefore easier for loan officers to “sell” Kiva to clients.

Conclusion

As the three profiles show, while the main functions of loan officers’ jobs around the world are the same, their lives can vary immensely.

Their jobs are divided between time in the office and time in the field, but the amount of time spent in each depends on a variety of conditions:

  • Where their borrowers are located – loan officers with borrowers who are more spread out or in rural areas with bad roads spend more time in the field. All three loan officers profiled spend less time in the field than some of their counterparts, because they work mainly in urban areas.
  • Levels of technological development in the country – in Honduras and Colombia, mobile phones are widespread, cutting down on some visits as loan officers can call most of their clients for quick questions, and are also able to schedule appointments in advance. In less developed areas with little access to phones, loan officers must visit clients every time they have a question, and may arrive at the client’s house when the client isn’t home. In the US, even fewer visits are required as many items of business can be taken care of via phone and email, which most borrowers have access to. Also, roads are better so trips to the field don’t take as long.
  • Microfinance Institution (MFI) policies – Because FMSD clients repay their loans by going to a bank and transferring the money to FMSD, loan officers don’t have to visit clients for repayments. ACCION San Diego clients also mail checks into the MFI. This means much less time in the field than organizations that require loan officers to pick up repayments (even when it’s just a few dollars a week).

Still, in the end, these loan officers in North, Central and South America do have a lot in common – they are all dedicated to their clients, which means that even if following Kiva’s extra rules and procedures (filling out extra paperwork and taking photos of their clients) adds some time to their day, they are each happy to put in the extra work so that clients who normally wouldn’t get a loan finally have access to credit. There are hundreds or perhaps thousands of loan officers around the world who work with Kiva clients, and from what I’ve heard from other fellows, it’s safe to say that Jarling, Mario and Nick are not atypical in their commitment to their clients.

So the next time you read a detailed borrower profile, spot an especially well-framed photo or receive an interesting journal update, think about all the work put in behind the scenes by a hardworking loan officer!

Special thanks to Jarling Ramírez, Mario Moreno and Nick Miluso for agreeing to let a Kiva Fellow follow them around all day, even though they are all incredibly busy!

Support these loan officers and the organizations they work for by making a loan to a borrower from COMIXMUL, FMSD or ACCION San Diego. Want to meet some loan officers in person? Read more about the Kiva Fellows Program, and then apply to be a Fellow!

6 February 2013 at 08:00 1 comment

Spotlight on Europe’s most mysterious country

Alice Reeves | KF18 | Kosovo & Albania

Pop Quiz!  What do you think about when you think of Albania?   On asking some friends before leaving home, the answers that came back varied wildly: ‘economy based on pyramid selling’, ‘blood feud’, ‘one bunker per family policy’.  Preconceptions are interesting things….

Being a Kiva fellow certainly challenges any preconceptions you forget to leave at home, never more so than in the rapidly developing Balkans.  It also opens your eyes to the real economic challenges that lie in Europe’s mountainous south eastern corner.

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8 July 2012 at 08:00 2 comments

A Mexican Tale of Women and Sheep

Emmanuel M. von Arx | KF 16+17 | Mexico

Who would have thought that my second Kiva Fellowship would teach me just as much about microfinance as about the rearing of sheep? Seriously, ask me anything you want: How do you best hold a lamb? How do you wrestle with a grown-up mutton? How do you treat sheep for worms? Where and how often do you set them a vaccine? How do you determine a sheep’s age? Why does a sheep bite normally neither hurt nor bleed? For what reason does a sheep have four stomach compartments? And how do you compel a lamb’s reluctant mother to accept her kid after birth? I owe this knowledge to UNAM-educated veterinarian Linda Velázquez Rosas, who made a sheep-expert not just out of me, but also out of 200 amateur sheep-owners in and around the little town of San Felipe del Progreso, two hours west of Mexico City. This training was made possible by Vision Fund Mexico (also known as Fundación Realidad or FRAC), a Kiva field partner that excels both at financial and non-financial services (in a previous blog post I documented an artisan fair in Mexico City that was co-organized by FRAC).

Continue Reading 6 July 2012 at 08:00 6 comments

Beyond Financial Services: Mexico’s Greatest Artisan Fair

Emmanuel M. von Arx | KF 16+17 | Mexico

Shortly after arriving at my first Mexican microfinance organization, FRAC (or Fundación Realidad, soon to be called Vision Fund Mexico), I had the joyful task of presenting in the name of Kiva two Social Performance Badges to its enthusiastic staff: one for Vision Fund Mexico’s strong and persistent focus on poor people, and one for the organization’s success in empowering families and communities. The description of the Family and Community Empowerment Badge on Kiva’s homepage immediately piqued my interest: it states that recipients of this badge “implement innovative business practices and offer services in addition to their financial products to meet the needs of the people they serve.” Innovative business practices and additional services beyond financial products? At FRAC? I began to ask members of FRAC’s staff and was soon pointed to some great examples of non-financial services that Vision Fund Mexico has provided in past months and year: they include support in product marketing and distribution given to beekeepers and artisan villages, over 380 free financial literary workshops for well over 4,000 borrowers, and free expert veterinarian training and medical services provided to hundreds of borrowers who are raising cows and sheep in their backyard. While I hope that some of these topics will be addressed by future guest blog posts of FRAC staff members (continuing the series that was started by Rosa’s gorgeous post on her recent field visit), I will report here on FRAC’s selfless contribution to Mexico’s largest artisan fair, the Expo FONAES. In many ways, this is just another example to David Gorgani’s great piece on the wide range of non-financial services that Kiva field partner organizations provide.

Continue Reading 22 June 2012 at 08:00 4 comments

Who Are Some of Maya’s Volunteers + What Do They Do?

By Kimberly Strathearn, KF 16/17, Turkey

Volunteers aren’t paid, not because they are worthless, but because they are priceless.” Anonymous

National Volunteer Week 2012 (April 15-21) has come and gone and despite my best intentions to post this blog during that week–it didn’t happen. But that does not mean I appreciate our SUPER Maya volunteers any less, in fact, I am going to use this blog as the perfect chance to brag about some of the individuals and schools that volunteer for Maya.  Some translate Maya Entrepreneur Profiles and Journal Updates from Turkish to English while others help out with more technical translations or other projects.

When I first started my Fellowship back in September 2011 with KF 16, I immediately recognized that since Maya is such a small program, the Kiva Coordinator is out in the field 3-4 days a week, and none of the loan officers speak English, we were going to need some help getting the profiles and journal updates translated.

Through some groups I belong to here in Istanbul, I sent out some notices seeking volunteers.  I was blown away by the response but shouldn’t have been because I know that volunteer opportunities can be hard to find and a logistical nightmare (traffic and Istanbul is a large city).

So without further delay, let’s see who are some of the volunteers that are vital to helping Maya and what they do:

Suzanne, profile translator

Suzanne, profile translator and coordinator

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15 June 2012 at 08:00 3 comments

Retail Consumers as Micro Lenders + What is FITE? + Maya Entrepreneurs Supported by FITE

By Kimberly Strathearn, KF 16/17, Turkey

Dermalogica Lending team logo

joinFITE logo

joinFITE logo

joinFITE lending team logo

On January, 2011, Kiva.org announced its partnership with Dermalogica (a leading international skin care brand) and other partners to launch joinFITE.org in order to provide micro loans to women entrepreneurs in low-income regions of the United States and 56 other countries.

FITE is a global empowerment platform that is designed to cultivate Financial Independence Through Entrepreneurship (FITE) by providing women entrepreneurs access to small loans that will help them start or grow a business thereby bettering themselves, their families and their communities; and to help educate the public at large about the benefits of empowering women entrepreneurs.

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8 June 2012 at 08:00 2 comments

Recycling for Life and Family in the Mexican Countryside

Emmanuel M. von Arx | KF 16+17 | Mexico

I have a confession to make: I love to browse Kiva borrower profiles – even occasionally without any actual intention to make a loan. I believe that reading the stories of borrowers from all over the world and knowing their dreams tells me more about a country and the mentality of its people than even the best of all travel guidebooks. And knowing some of the challenges they are facing in their lives and how they are surmounting them, being aware of the long hours they work every day and their dedication to their families – all this inspires me deeply and on a very personal level: if people can thrive under difficult circumstances thanks to incredibly hard work and a dream, then I should and will be able to do something meaningful and lasting with my own life as well! My Kiva lender profile reads: “I loan because… Kiva borrowers never cease to inspire me with their courage, talent, and dedication!”

That strong sense of inspiration that speaks to me out of every Kiva borrower’s history has been multiplied during my time in the field as a Kiva Fellow in the course of many personal meetings with borrowers. I have met literally dozens of borrowers who have left an indelible mark in my heart and mind. But recently I have met a borrower who is so extraordinary and unusual that even I – one of the more seasoned Kiva Fellows – was blown away. Her name is Ma de los Angeles and this blog entry tells the story of her work and her success.

Continue Reading 1 June 2012 at 08:00 6 comments

Work Hard, Play Hard

Natalie Sherman | KF17 | Cameroon

It’s been said, countless times, that one of the most rewarding experiences for us Kiva Fellows (as you might imagine) is meeting borrowers- those inspirational men and women who work hard, every day, to make a better life for themselves and their families.  To know this satisfaction is something I certainly expected before my placement here in Cameroon.  One thing I didn’t expect, however, was the pleasure and understanding I would gain from getting to know the staff of ACEP Cameroun- the partner MFI with whom I’ve been working these past four months.  As I say my final goodbyes and prepare to pass the proverbial torch to the next Fellow working with ACEP, it’s pretty much impossible not to reflect on the good times that we’ve shared together, both in and outside of the office.  From walking in the very first day, nervous and unsure, to watching ACEP’s inaugural borrowers go live on the Kiva website, to receiving their initial repayments- it’s been a journey of both intense work and intense…. celebrating!

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30 May 2012 at 12:00 1 comment

The Heart of Kiva – A Guest Blog from Mexico

Emmanuel M. von Arx | KF 16+17 | Mexico

Kiva is all about stories – what draws us all in and inspires us to lend are the stories of courageous micro-entrepreneurs that speak of hard-ship and success, challenges and dreams, love and dedication. But Kiva is not just about borrowers and their stories. It is also about the people behind the scene on the ground – the staff of the close to 150 field partners of Kiva – who screen loan applicants, grant, administrate, and look after Kiva loans, and make sure that Kiva borrowers are treated respectfully and fairly. Their stories are almost never told. Yet, the local staff of Kiva´s Field Partners are those people who make the magic happen – they are the ones who make Kiva possible. If Kiva Fellows are called the “eyes and ears in the field”, I propose local MFI staff be called “the brain and heart of Kiva.” MFI staff has insights on the conditions on the ground, the local mentalities, and the practical aspects of microfinance that can rival (and – I have no doubt – normally exceed) those of Kiva staff and Fellows. Yet, their perspective is seldom heard and their stories are rarely told.

Just how much local field partner staff have to tell and to share with the world I learned during the brief three week period during which I had the pleasure to be the Kiva Fellow for FRAC or Fundación Realidad (soon to be known as Vision Fund Mexico) in Mexico City. FRAC, has over 200 employees – they encompass 200 breathtaking stories and lives from all over Mexico, coming together in FRAC’s vision of wanting to provide financial and non-financial services to those families who do not have access to formal banking services in order to improve their quality of life.

During my work in FRAC’s Mexico City Headquarter, the MFI’s staff turned out to be an endless source of inspiration for me. There was not one person I talked to whose story and motives wouldn’t be worth sharing. Within a few brief hours I felt not just surrounded by close friends, but soul-mates – I discovered that everybody around me was at least as passionate and enthusiastic about FRAC’s and Kiva’s work and the impact of micro-finance as I am.

As soon as I told FRAC’s staff about the Kiva Fellows Blog, I was bombarded with requests of staff members to publish their thoughts and their experiences on it. Many have a particular pet project they feel most passionate about; others have made an experience on the job they are keen to share. Thus grew the idea of creating a little guest blog within the Kiva Fellow Blog. I offered to all staff to publish their thoughts and words on the Fellows’ blog as a way to make readers aware that Kiva doesn’t just connect lenders with borrowers, but that it connects lenders with local staff with borrowers with friends with staff with borrowers with lenders with… stop! Let’s just say: Kiva connects people through lending!

Rosa Gonzalez is the first staff member of FRAC who agreed to share her experience. She was hired by FRAC as their English-Spanish translator a few days after I joined the organization as a Kiva Fellow. Rosa translates both borrower profiles and journals for FRAC borrowers before they are being published or sent to lenders. But let me introduce Rosa in her own words – you will immediately see that they are pure poetry.

Continue Reading 24 April 2012 at 08:58 5 comments

Barrier + Solution = Groups loans for Maya! + Challenges Remain.

By Kimberly Strathearn, KF 16/17, Turkey

No water = barrier for fish
(ran across this advertisement for a new aquarium one morning in Taksim Square on the way to work)

Maya has been a Kiva Field partner for 8 months.  Maya is a small program that was established under the Foundation for the Support of Women’s Work in 2002.  Maya’s target clients are low-income women with a primary school education that have limited chances of finding a job in the formal economy.  Turkey has a large informal economy, so most of Maya’s clients want to set up a small-scale business or enhance their existing small-scale business.  Many of their clients work from home but some have small shops, or work in market stalls. Most of these businesses are in the trade sector but some are in the manufacturing and service sectors. Since most of the businesses are unregistered, the women are unable to access regular financial services.

Have you been wondering why Maya has only posted 35 entrepreneur profiles on the Kiva website?  And that they all have been individuals?  You may know from my first post about Maya or Maya Field Partner Page, that Maya offers group loans—so why isn’t Maya posting any?

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7 April 2012 at 08:00 6 comments

If it is Wednesday, it must be Eskişehir + Eskişehir Entrepreneurs

By Kimberly Strathearn | KF 16/17 | Turkey

In previous blog posts, I have introduced the Maya Istanbul office, the Sakarya branch office, and the Izmit branch office.  This blog will highlight the Eskişehir branch office,  introduce Nermin Akar and Serpil Altıntaş and provide an update on three entrepreneurs.

From left to right: Nermin Akar and Serpil Altıntaş

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13 March 2012 at 09:13 5 comments

New Kids on the Block: Meet ACEP Cameroun

Natalie Sherman | KF 17 | Cameroun

They have an air-conditioned waiting room, tiny espresso mugs, an executive director that knows how to make a good joke, and a long-standing record of excellent customer service.  They are a poverty-busting force to be reckoned with. Yep, there are some new kids in town.  Who are they?  ACEP Cameroun, one of Cameroon’s top four microfinance institutions, Kiva’s newest pilot partner, and the MFI I get to work with closely over the next four months of my Kiva fellowship.

ACEP Cameroun’s headquarters in Yaoundé

Aside from its pilot partner status, ACEP Cameroun is not really “new” at all.  The bank has been around since 1999, was privatized in 2005, and has grown to serve over 8,500 customers since.   With branches in Cameroon’s largest urban areas, Yaoundé (the capital), Douala and Bafoussam, ACEP provides loans to clients that are owners or managers of “Très Petites Entreprises” (TPEs), or “Very Small Businesses.”  Whether you are a tailor, a beignet vendor or a hardware store owner, you can apply for an ACEP small business loan to help with planning, to purchase equipment or for plain ole’ working capital.

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21 February 2012 at 08:22 9 comments

20 Years in 2012: A Celebration of Serving the Filipino Poor

The new year is already in full swing and resolutions are being met or failed as we speak. This New Year’s celebrations, for me, was a little different as I got to spend a full week with Center for Community Transformation staff as they celebrated 20 years of growth and successful service to the poor in the Philippines. President Ruth Callanta spent time reflecting on the past but also casting vision for the future as CCT hopes to transform more communities in the Philippines and reach more marginalized people groups.

Continue Reading 22 January 2012 at 04:51 2 comments

Producto Creer: How for a Bank Doing the Right Thing Can Pay Off

By Emmanuel M. von Arx, KF16, Guayaquil (Ecuador)

My host and Kiva´s partner organization Banco D-MIRO provides over ten different types of microloans to borrowers in and around Guayaquil: among them loans to finance housing improvements, school expenses, medication, and loans awarded specifically to employees, young clients with a business idea but no experience, and – as Ecuador´s only microfinance institution – discount loans for HIV-positive micro-entrepreneurs. Yet, one borrower group beats all other borrowers in their dedication and commitment to paying back their loans on time: the well over 400 disabled borrowers of Banco D-MIRO, whose payment discipline has turned “their” loan – “Producto Creer” (“Product Believe”) – into the most successful and inspirational product of D-MIRO´s extensive spectrum. The delinquency rate of Producto Creer is by far lower than that of any other major micro-loan type of Banco D-MIRO, which means that borrowers of Producto Creer are better at paying back their monthly rates than any other client group! In these times of economic and social turmoil, Banco D-MIRO´s Producto Creer may be a much needed reminder that it may pay off for banks to do the morally right thing.

Continue Reading 20 December 2011 at 04:00 1 comment

And the Winner Is…………

By Jill Hall, KF16, Philippines

“And the winner is……..ppprrrrrmmmmmmm” (drum roll). Now, if you are anything like me, the image in your head is of some famous actress or actor fumbling with a large envelope, complaining about how is it hard to open. Luckily, for this post, we are going skip the envelope and talk about a winner who is a little closer to home for this Kiva Fellow. The winner I am talking about is CCT’s very own, Andresa Javines, who is Citi Bank’s “Entrepreneur of the Year” (MOTY) for Mindanao, Philippines.

Continue Reading 14 December 2011 at 07:00 3 comments

A Typical Day in the Life of a Kiva Fellow: Loan Officer Training (Video Blog Post)

By Emmanuel M. von Arx, KF 16, Guayaquil (Ecuador)

Video posts on a “typical day” in the life of a Kiva Fellow are a time-honored tradition on the Fellows Blog. Without any more words, here is my contribution to the video series of documenting a typical day in the life of a Kiva fellow. Like all previous contributors to the series, I am keenly aware that there is no “typical day” for Kiva Fellows. But taken together, the growing number of “typical day”-videos may at least convey something of the diversity, unpredictability, spontaneity, and joy that a typical untypical day of a Kiva Fellowship entails. Enjoy!

Continue Reading 6 December 2011 at 04:00 3 comments

Visiting an HIV-Clinic in Guayaquil (Part II)

By Emmanuel M. von Arx, KF16, Guayaquil (Ecuador)

One of the great joys and privileges of being a Kiva Fellow is to go along with loan officers when they are meeting Kiva borrowers and new clients. One of my most memorable outings was a visit of an HIV-clinic in a public hospital in Ecuador´s largest city Guayaquil. In the first part of this blog post I recounted how I drove with Nahin Alvarado from Banco D-MIRO´s headquarters on Guayaquil´s Isla Trinitaria to the HIV-clinic at Hospital Abel Gilbert. Nahin is the bank´s loan officer specializing in HIV-positive and/or disabled clients who have the right to receive a discount micro-loan. And Banco D-MIRO is the only micro-institution in all Ecuador to provide financial products especially for these two long-excluded client groups.

Nahin is talking to a patient outside of Guayaquil´s HIV clinic

While Nahin is presenting the bank´s special loan products to the patients in the HIV- clinic´s crowded waiting room, Franklin walks towards me. A strong man in his forties, Franklin is the leader and community organizer of FUSAD (Frente Unido por la Salud y los Derechos – in English: United Front for Health and Rights), a self-help and support group for HIV-positive people, based at the hospital and well known for the professional education courses they provide to their members.

Continue Reading 15 November 2011 at 12:00 4 comments

Study Now, Pay Now: Funding Higher Education in the Philippines

by: Jill Hall, KF16, Philippines

The higher education loan was an exciting idea because it had the potential to provide access to financial backing to those who wanted to pursue further education but were often limited by the lack of availability of funding in their country. The higher education loans hold much potential but it also introduces a whole other set of potentially troubling issues.
It was a pleasure to sit down with Maricar Santiago, CCT with the Visions of Hope division, to discuss the the details of the “Study Now, Pay Now” education loan product.

Continue Reading 12 November 2011 at 18:08 5 comments

Visiting an HIV-Clinic in Guayaquil (Part I)

By Emmanuel M. von Arx, KF16, Ecuador

“Don’t be scared to shake the hand of a client with HIV or to drink out of his glass. You cannot get infected that way.” This was the message that Nahin Alvarado repeated over and over during a training session in September with a group of twelve new and somewhat incredulous loan officers of Banco D-MIRO, when I first met him. A loan officer himself, Nahin has been with Banco D-MIRO for over two years, focusing on two very special client groups who – not just in Ecuador – have long suffered from discrimination and lack of access to financial services: micro-entrepreneurs who are HIV-positive or disabled. The moment I heard Nahin so forcefully speak up on behalf of HIV-positive clients, I knew that I wanted to spend a day with him in the field.

Continue Reading 2 November 2011 at 08:00 3 comments

Girlie’s Peanut Butter: Borrower Verification in the Philippines

By: Jill Hall, Manila,Philippines

As I stepped out in the oppressive humidity of a Manila morning, my spirit was excited and ready to leave the protection of CCT head office’s wonderful air conditioning because this was the day I got to do another borrower verification.This day’s journey is particularly exciting because the reward at the end of the two-hour bus side in Metro Manila traffic, is Caloocan City, a place where nature begins to meet houses and instead of high rises and smog you plunge in to lush green hills and palm trees. It is there that I will find the lady that makes peanut butter.

Continue Reading 23 October 2011 at 21:54 6 comments

What Does it Take to be Kiva Field Partner: New Partnerships in the Middle of the World, Part I


Of the seven-step process to becoming a Kiva Field Partner, the last step is easily the most exciting. It signifies a new opportunity for Kiva lenders and borrowers, a meaningful development for Kiva, and a promising culmination of work for a potential partner. Before I arrived in Quito, Ecuador two weeks ago, my in-country partner Fundación Alternativa had completed steps one through six of the process. And as I stepped off the plane at Mariscal Sucre International Airport on May 30th, Fundación Alternativa imperceptibly passed from step six to step seven: when Field Partners enter the Pilot Phase, and Kiva sends you a frighteningly enthusiastic Kiva Fellow to get you started.

Continue Reading 13 June 2011 at 15:50 3 comments

A field partner grows from the pilot to active stage

Congratulations to Credit Mongol! This Kiva field partner in Mongolia recently achieved active status on the Kiva website.  As you may well know, Kiva partners with microfinance institutions (MFIs), like Credit Mongol, in countries across the globe, reaching hundreds of thousands of entrepreneurs. These partnerships are what make Kiva possible on a large scale.

Kiva Fellow and Credit Mongol Kiva staff

Kiva Fellow and Credit Mongol Kiva staff

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27 March 2011 at 18:00 4 comments

Video: How the connection happens – Kiva Coordinators

A Kiva Coordinator is someone who organizes and manages the Kiva program at one of Kiva’s field partners. Watch the video to find out what a Kiva Coordinator does everyday, their favorite aspects of working with Kiva, and also the challenges of being a Kiva Coordinator. As a Roaming Fellow, I had the opportunity to interview three Mongolian field partners – XacBank, Credit Mongol, and Transcapital.

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23 January 2011 at 05:00 6 comments

Rwanda: Where the women are kind, the men are generous and everyone is just so nice

By Michelle Curtis, KF13, Rwanda

“Someone told me she loves me, just then…she told me that she loves me and I am so happy.” When an overjoyed stranger took his mobile from his ear and turned to find the first person to share his wonderful news with…there I was. Someone loved him and he had to let it out to the world. I gave him my congratulations, shook his hand and landed an encouraging pat on his back. He was beaming. So was I.

Continue Reading 18 November 2010 at 10:00 8 comments

Kiva Climbs the Ecuadorian Andes to Team Up With Its Newest Field Partner

by Josh Wilcox, KF10 Ecuador

Please join me in welcoming the latest Field Partner to the Kiva platform and third in Ecuador, Cooperativa San José!  They are headquartered in the small village of San José de Chimbo and have 5 other branch offices within the Bolivar and Los Ríos provinces.  Located in the heart of the country up in the Andes Mountains, Cooperativa San José offers various types of savings and credit products to its members.

Cooperativa San José will be working with Kiva to administer loans to their ventanillas rurales (group loans in the countryside).  The majority of these borrowers works in agriculture and predominately grows corn, potatoes, beans, tomatoes, among other crops.  Many also raise small animals or have a small store within their home to augment their income, since their harvests often do not provide them with adequate income to support their families.  These farmers will also travel weekly to the fairs in the village to sell their grains, fruits, and vegetables.

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28 January 2010 at 12:51

TLM… hotter than an Indonesian rap song!

by Cissy DeLuca, KF8, Indonesia

When most people think of Indonesia, the first places that usually come to mind are Bali and Jakarta. West Timor may be the last place a person associates with Indonesia. West Timor is part of the NTT province, which is the poorest in Indonesia. That means the people of this area need Kiva lenders the most!

Nestled in the bustling metropolis of Kupang is a humble organization called Tanaoba Lais Manekat. Only posting on Kiva since March 2009, they are rapidly becoming the next big thing in microfinance, Kiva and the world!

I made this video to get all you Kiva lenders as pumped on West Timor and TLM as I am!

Cissy Deluca is a proud member of KF8 working in Indonesia with TLM. Please feel free to join their rapidly growing lending team or follow them on twitter!

5 August 2009 at 18:44 7 comments


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