KIVA

KIVA – Loan Justification Your Name:

Potential Recipient URL: Name: John Gichuhi Country: Kenya Type of Loan: Agriculture/farming

Criteria

1. Risk

Borrower (Credit history/Personal character): John Gichuhi is 66 years old and has been farming for over 20 years. He is married and has 8 children who are now adults.

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Risk rating: 3 out of 5 stars, Delinquency rate: 2.64%, Default rate: 0.00%.

Country Risk (Economic, Political, Natural Disaster): Economic risks: Kenya has a relatively low economy, but I believe that John will be able to repay the loan because of the increase in the health in his dairy animals, and therefore increase his income. Political risk:

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

Potential for success:

Potential for sustainability:

Potential for regional economic benefit:

3. Borrower

Perceived level of need: Johns level of need is pretty high. John is living in an area where drought is a persistent problem. He needs a water tank to be able to consistently provide safe water for his family and his animals. Without the money, he will not be able to purchase the water tank he needs and his business, selling milk and coffee, will not be successful.

Financial responsibilities/commitments of individual: John provides milk, dairy products and coffee for his community. Without the water, his crops and his animals will most likely not survive and his business will not succeed.

4. Summary