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Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy and more. Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more. Learn more about how Kiva works. Sonia is a member of the Mana del Cielo group. She works in a bakery to support her family of five. Sonia has been in this field since she was young and decided to start this business so that she could work from home and spend more time with her children. Her dream is to have her own store where she can make and distributer her products more efficiently. To do that, she plans to invest this loan in buying key supplies for making her recipes, like 2 packs of self-rising flour, 6 containers of eggs, 4 bottle of liquid vanilla, 2 packs of baking powder, 3 kilograms of butter, 5 kilograms of dulce de leche, 5 kilograms of guava, and 2 kilograms of cocoa powder. Other members of the group are also businesswomen who work in hair salons or work selling staple items, natural remedies, and foods. Translated from Spanish by Kiva volunteer Alexandrea Moseley. View original language description. The loan length or repayment term is the number of months it takes from the point that the loan is disbursed to the borrower to the point when the last repayment is due to be paid to Kiva lenders. A loan's repayment schedule describes the frequency with which repayments are sent to Kiva lenders: Monthly: One repayment made per month End of term: One repayment made at the end of the loan term Irregular: Any other repayment schedule To see a detailed repayment schedule for a specific loan, click the 'Repayment schedule' link on the loan profile under 'Loan details. The disbursed date indicates the date that the borrower receives their loan funds. Loan disbursal for loans on Kiva can happen anywhere from 30 days before to 90 days after the loan is posted on the Kiva website. Direct loans are always post-disbursed, and will be done only after the loan has fully fundraised on Kiva. In the case of partner loans, many of our Lending Partners choose to disburse loan funds before the loan request is posted on Kiva. We allow pre-disbursal because it ensures that the funds reach the borrower as soon as they are needed. Loan funds from Kiva lenders then go to backfill that amount and as a lender you assume the risk of the loan. By doing this, our Lending Partners assume the risk that, if the loan isn't funded by lenders, they will have to fund the loan without any funds from Kiva. If a partner loan is not pre-disbursed, it will be listed on Kiva with an expected 'post-disbursed' date. If a post-disbursed loan is not funded on Kiva, there is a chance that the borrower may not receive their loan. Some Lending Partners choose to disburse loans with other sources of funding, while other partners don't have the resources available to fund loans without Kiva lenders' support. No direct loans will be disbursed unless they fully fundraise on Kiva. Every loan has only 30 days to fundraise on Kiva. There are 2 different options for how that funding is sent to the field: Fixed: the total loan amount must be raised in order for funds to be sent to the Lending Partner. If the loan is not funded in full within the fundraising period, the loan will expire and any funds raised will be returned to lenders' Kiva accounts. Flexible: any funds raised within 30 days will be passed along to the Lending Partner facilitating the loan and they will come up with other sources of funding to cover the rest of the loan amount. When lending internationally, the local currency in a borrower's country may lose some of its value compared to the US dollar -- requiring the partner to use more of its local currency to repay Kiva in USD. We offer some Lending Partners the option to protect themselves against currency fluctuations by choosing to pass on these losses to Kiva lenders. By bearing this risk, lenders protect the partner and its borrowers from catastrophic currency devaluations and contribute to the sustainability of their operations. Potential for currency exchange loss is noted on every loan profile under the loan details: 'Yes' means the Lending Partner will cover any currency loss. If the U. Yes, most Kiva borrowers do pay interest to our Lending Partners in some form. Kiva and Kiva lenders themselves do not receive interest on these loans. Our partners collect interest from borrowers because there are many operational expenses associated with microfinance in developing markets, especially in rural areas. Many of Kiva's Lending Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services. Kiva will not partner with an organization that charges unreasonable interest rates, and we require Lending Partners to fully disclose their rates. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved. To learn more about the interest rates Kiva borrowers pay, you can review the 'Average cost to borrower' field on a loan profile. There are many levels of risk associated with Kiva loans, which are explained on our website here: kiva. Direct loans will appear as 'Unrated' and lenders should always assume these loans represent the highest level of repayment risk on Kiva. Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world. For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers. For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan. Lending Partners often work with borrowers over time to help them build credit and expand their businesses. In order to make it easier for partners to post loans for borrowers who have been listed on Kiva before, we allow some partners the ability to relist a loan without having to re-enter all of the borrower's information. When this occurs, you'll see an updated loan description, as well as excerpts of the original descriptions from an earlier loan. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Lending Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary 'add-on' loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan. Time on Kiva shows the number of months a Lending Partner has been posting loans to Kiva for funding. This figure represents the total number of borrowers posted by this Lending Partner that have raised loans on Kiva. This number includes individual borrowers within any of this Lending Partner's group loans. Total loans indicates the total amount of loans this Lending Partner has raised through the Kiva website. This excludes refunded loans. Many of Kiva's Lending Partners do charge borrowers in some form in order to make possible the long-term sustainability of their operations, reach and impact. For this specific Lending Partner, Kiva displays portfolio yield PY , which is equal to a Lending Partner's financial earnings divided by its average loan portfolio outstanding during a given year. Portfolio yield applies to the institution as a whole, and thus is a proxy for cost to borrowers rather than a direct measurement. Kiva calculates portfolio yield directly from the most recently available financial statements of a Lending Partner and compares this result with other publicly available sources of pricing information such as mixmarket. It can also be an indicator of the long-term sustainability of an organization, as organizations consistently operating at a loss those that have a negative return on assets may not be able to sustain their operations over time. A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller that is, as a lower percentage of gross national income per capita are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect. Kiva defines a partner's delinquency arrears rate as the amount of late payments divided by the total outstanding principal balance Kiva has with the Lending Partner. Arrears can result from late repayments from Kiva borrowers as well as delayed payments from the Lending Partner. The loans at risk rate refers to the percentage of Kiva loans being paid back by this Lending Partner that are past due in repayment by at least 1 day also known as arrears. This delinquency can be due to either non-payment by Kiva borrowers or non-payment by the Lending Partner itself. The loans at risk rate is an aggregate that does not distinguish between borrower delinquency and partner delinquency. So in the example above, the loans at risk rate will be The default rate is the percentage of ended loans no longer paying back which have failed to repay measured in dollar volume, not units. If this is the case, a more meaningful indicator of principal risk is 'delinquency rate. Kiva typically processes defaults on a semiannual basis, and case by case exceptions may be made if the partner or Kiva anticipates future repayments to be made on the loan. Lending Partners also have the option to default loans at any time, should they determine that further collection of loan repayments from the borrower is unlikely. Kiva is able to reach more borrowers in some of the most remote places around the world through our global network of Lending Partners. These partners are local organizations working in communities to vet borrowers, disburse loans, collect repayments, provide services and administer loans on the ground in general. Our Lending Partners are nonprofit organizations, microfinance institutions, schools, and social enterprises. Many provide services alongside their loans, such as entrepreneurial training or finanical literacy development. Our partners all share one thing in common: a desire to improve people's lives through access to safe and affordable credit. You can see a list of Kiva Lending Partners here: kiva. Loans to purchase, feed, raise, sell, or build shelter for animals. Loans for purchasing durable assets for a business or income producing activity. Reduces the borrower's carbon footprint or improves the environment. Photos with beautiful fabrics, or loans for fabrics, sewing, weaving, embroidery, etc. Loans used for educating women and girls, or for generating income to pay for their education. Borrowers who deliver or are in need of healthcare services, or a loan that has a direct impact on health. Borrower is a refugee or person internally-displaced by war, conflict or natural disaster. Borrower has had a previous loan from the Field Partner or Kiva. Loans to repair, renovate or replace equipment, goods or buildings, and borrowers who provide those services. Loans used by students and teachers, and people expanding their business to pay for children's education. Loan description specifically says the borrower is single or unmarried. Loan has a 'green' agriculture component, or is from a Fair Trade Field Partner. Loans to buy, sell or use modern technology cell phones, computers, solar power, etc. Fruit, vegetable, nut or grain production or sales with no mention of animal usage. A business that's woman-owned. For group loans, the main borrower and the majority of members are female business owners. You have selected to not use your Free Trial and will be prompted to pay for this loan using your own money. Your free credit can't be applied to this loan. If you would like to make a loan to this borrower anyway, you will have to use your own money. Free Trials cannot be used to make loans during their private fundraising period on Kiva. If you would like to lend to this borrower anyway, you will have to use your own money. Log in. Support Kiva. North America. Central America. South America. Eastern Europe. Middle East. Saved searches. Checkout 0. The browser version you are using is not supported by Kiva. Please use the most recent version of these supported browsers for Kiva to function properly. Adding to basket. Fund a loan, get repaid, fund another. Choose a borrower Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy and more. Use the repayment to support another borrower, or withdraw your money. Get repaid Receive updates on your loans and see the dollars return to your Kiva account. Choose a borrower Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more. Mana Del Cielo Group. Find a new loan. Browse more loans. A loan helped a member to buy supplies. Mana Del Cielo Group's story. This loan is special because:. It helps low income entrepreneurs access working capital and grow their businesses. More about this loan. By supporting this loan you are helping members of an impoverished and financially excluded population grow their businesses and improve their livelihoods while also enabling access to voluntary professional and integral trainings. Loan details. Loan length : 5 months. Repayment schedule : Monthly. Disbursed date : September 19, Funding model : Flexible. Partner covers currency loss? Is borrower paying interest? Lending Partner risk rating :. Repayment schedule A loan's repayment schedule describes the frequency with which repayments are sent to Kiva lenders:. Monthly: One repayment made per month End of term: One repayment made at the end of the loan term Irregular: Any other repayment schedule. To see a detailed repayment schedule for a specific loan, click the 'Repayment schedule' link on the loan profile under 'Loan details. What is the disbursed date? Funding model Every loan has only 30 days to fundraise on Kiva. Do Kiva borrowers pay any interest on their loans? What is a risk rating? How are loans facilitated? More information about successive and concurrent loans Lending Partners often work with borrowers over time to help them build credit and expand their businesses. Lenders and lending teams. Country: Paraguay. Time on Kiva : 75 months. Kiva borrowers : 10, Profitability return on assets : Delinquency rate : 0. Loans at risk rate : 0. Default rate : 0. Currency exchange loss rate : 0. Kiva borrowers partner loans This figure represents the total number of borrowers posted by this Lending Partner that have raised loans on Kiva. Lending Partner's total loans Total loans indicates the total amount of loans this Lending Partner has raised through the Kiva website. Average cost to borrower PY Many of Kiva's Lending Partners do charge borrowers in some form in order to make possible the long-term sustainability of their operations, reach and impact. What does 'Profitability Return on Assets ' mean? Partner delinquency arrears rate Kiva defines a partner's delinquency arrears rate as the amount of late payments divided by the total outstanding principal balance Kiva has with the Lending Partner. Loans at risk rate The loans at risk rate refers to the percentage of Kiva loans being paid back by this Lending Partner that are past due in repayment by at least 1 day also known as arrears. Lending Partner's default rate The default rate is the percentage of ended loans no longer paying back which have failed to repay measured in dollar volume, not units. What's a Lending Partner? What is a Lending Partner? Woman-Owned Business. Animals Loans to purchase, feed, raise, sell, or build shelter for animals. Biz Durable Asset Loans for purchasing durable assets for a business or income producing activity. Eco-friendly Reduces the borrower's carbon footprint or improves the environment. Elderly Loans to older borrowers. Fabrics Photos with beautiful fabrics, or loans for fabrics, sewing, weaving, embroidery, etc. Female Education Loans used for educating women and girls, or for generating income to pay for their education. First Loan First loan for the borrower with the Field Partner. Health and Sanitation Borrowers who deliver or are in need of healthcare services, or a loan that has a direct impact on health. Job Creator Loans to hire new employees. Orphan Borrower is responsible for dependents who were orphaned. Parent Borrower is supporting children at home or in school. Refugee Borrower is a refugee or person internally-displaced by war, conflict or natural disaster. Repair Renew Replace Loans to repair, renovate or replace equipment, goods or buildings, and borrowers who provide those services. Schooling Loans used by students and teachers, and people expanding their business to pay for children's education. Single Loan description specifically says the borrower is single or unmarried. Supporting Family Borrower is supporting parents, siblings or other dependents. Technology Loans to buy, sell or use modern technology cell phones, computers, solar power, etc. Trees Loans for planting, growing or sustaining trees. Unique A Kiva loan that stands out from the rest. US immigrant Borrower immigrated to the United States. Vegan Fruit, vegetable, nut or grain production or sales with no mention of animal usage. Widowed Loan description says that the borrower's spouse has died. Woman-Owned Business A business that's woman-owned. You are opting out of using Free Trial. Agree Use a Free Trial. This loan is ineligible. Lend Anyway Find an Eligible Loan. You cannot use your Free Trial to support this loan. Agree Find an Eligible Loan.

Mana Del Cielo Group

Nemby buying powder

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Nemby buying powder