Kiva+Candidates

> KIVA – Loan JustificationYour Name: Varada Sahasrabudhe

> Potential Recipient URL: @http://www.kiva.org/lend/346166 > Name: Yosra Al-Dorra > Country: Palestine > Type of Loan: Housing (Personal Housing Expenses) Criteria 1. Risk

> Borrower (Credit history/Personal character): The borrower seems like a fair, conservative person. Both her husband and son are employed and have decent salaries, so it seems like she has a good family background. She will pay the loan on a monthly basis, and use the loan she will get to be able to repair her house, improve her daily life and offer better living conditions to her family. Field Partner (Risk Rating, Delinquency Rate, Default Rate): FATEN. Risk Rating: 4 stars Delinquency Rate: 0.45% Default Rate: 0.00% > Country Risk (Economic, Political, Natural Disaster): The political stability of Palestine is although not very good with constant wars, the wars are slowly decreasing and Palestine is trying to build a better political place and stability. The economical strusture of Palestine is slowly strenthening as in the beginning of 2011 it was a little shaky. So slowly becoming stronger, and it seems as though the country is not in a lot of debt. Recently Turkey was hit by a giant earthquake which created some damage in Palestine as well, although not near where Yosra lives. Basically, political and economical stability is slowly changing for the better while natural diasters don't seem to be very common. > 2. Business Plan - __Small Business Start Ups__ Potential for success: Her wish to build additons to her house has great potential for success is very high because it seems to me she knows what she is doing and what it will cost, etc. > > Potential for sustainability: The sustainability for her house also seems to be very high as she lives in a good part of Palestine, in which not many natural disasters or political/economical scrimmages happen. > > Potential for regional economic benefit: There is no benefit for the region but her family will benefit greatly, with a new roof/kitchen/bathroom, etc. > 3. Borrower > > Perceived level of need: Her need is not the greatest but it seems as though she will use the money wisely. Her main goals are to build new doors and cabinets for her house and build a new kitchen and bathroom. > Financial responsibilities/commitments of individual: Because her husband and son have good jobs and decent salaries, they support the entire family. But because she cooks and cleas for the entire family, having a good kitchen and having doors for proper security is important. > > 4. Summary My overall summary is that Yosra needs money to add necessary rooms and create a better place for her family to enjoy the life they deserve. She seems to be a well-rounded individual with a good family background. She lives in a nice area of Palestine which does not have political/economical/natural disasters happening. I think she deserves this loan because she wishes to create a better life for her family, so she is not selfish, and because I think everyone deserves a chance to live the way we do in North America.

KIVA – Loan Justification Your Name: Varada

Potential Recipient URL: http://www.kiva.org/lend/349760 Name: Haidar Country: Lebanon Type of Loan: Education

Criteria

1. Risk

Borrower (Credit history/Personal character): Haidar is and honest man who only wants the best for his children. Saddened that he could not have a good education, because of financial problems, he wants his children to have every opportunity he could not have. This is Haidar's forth cycle with Al Majmoua. He is a good standing borrower with a very good reputation.He is a hardworking man who has made his business big by twenty years of work experience.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Al Majmoua Lebanese Association for Development Risk Rating: 4 stars Default Rate: 0.00% Delinquency Rate: 0.43%

Country Risk (Economic, Political, Natural Disaster): Lebanon's political condition has become much better since January 2011 (early) when the government collasped. It is slowly getting better through a new president. Lebanon does not have a democracy or a dictatorship but something called confessionalism. Lebanon's economical status has also improved after the great collapse that ended in 2010. Through agricultural and agro-industrial products, it's economy is slowly rising. Natueral disasters are fairly uncommon in Lebanon as Lebanon is known for it's mild climate.

2. Business Plan - [|Small Business Start Ups] Potential for success: His plan to send his children to good schools and educate them properly is sure to be successful, because he is an honest and trust-worthy man who's main wish is to educate his children.

Potential for sustainability: His potential for sustainability is also strong because in Lebanon, once children are enrolled in a school, they are there for the next 6 years of their life, meaning that the proper school that he puts his children in will sustain him for a long time.

Potential for regional economic benefit: There will be no regional benefit short-term but once his children have a good education, they can help their father expand his salon businss which will give good money, and in turn leave Lebanese people looking pretty.

3. Borrower

Perceived level of need: His need is pretty great because he cannot just leave his children in a bad school for the rest of their education, so he must make a move soon.

Financial responsibilities/commitments of individual: He has to support three children and a wife, so that is four people to support. He also has a salon business which he hopes to enlarge,k so he also has commitments to various customers.

4. Summary My overall summary of Haidar is that he is an honest, trust-worthy man who only wnats the best for his children and family. He would like to give the eductaion he nevfer got to his children so that they can become something and help Lebanon later on. The economical/political stability of Lebanon is rising, meaning that the loan is most likely to pe repaid. There are no big chances of natural disasters happening either so all in all, I think that Haidar is an excellent person to loan to.