Maria
Status: Paying Back
| $7,500.00 | Loan Amount |
|---|
5% repaid
About the Entrepreneur
(For privacy reasons, the Field Partner has requested that last name be undisclosed)| Name: | Maria |
|---|---|
| Location: | Redwood City, Ca, United States |
| Activity: | Child Care |
About the Loan
| Loan Amount: | $7,500.00 |
|---|---|
| Loan Use: | To buy cubbies and bookshelves, portable cribs, educational toys and books, and new flooring for a daycare center |
| Repayment Term: | 38 months - View details below |
| Lenders Repaid: | Monthly |
| Currency Exchange Loss: | N/A
 |
| Date Listed: | Sep 17, 2009 |
| Date Disbursed: | Aug 12, 2009 |
| Date Funded: | Sep 19, 2009 |
About the Field Partner
About the Field Partner
|
|
| Field Partner: | Opportunity Fund |
|---|---|
| Field Partner Risk Rating: | |
| Fundraising Status: | Pilot |
| Time On Kiva: | 5 months |
| Kiva Entrepreneurs: | 43 |
| Total Loans: | $257,925 |
| Delinquency Rate: | 0.00% |
| Default Rate: | 0.00% |
| Currency Exchange Loss Rate: | 0.00% |
| More on this field partner >> | |
About the Country
| Country: | United States |
|---|---|
| Avg Annual Income: | $47,000.00 |
| Currency: | United States Dollars (USD) |
When Maria’s daughter was two years old and ready to start daycare, Maria decided to start her own day care center in order to provide a high-quality learning environment for her daughter, as well as other children in her community. She started “Kids Place 2 Explore and Learn” two years ago and since then has transformed her home into a learning facility for six children from two to five years old.
When she started her daycare, Maria had trouble getting a small business loan from a bank. “They didn’t see my home daycare as a business, and I needed a very small amount of money,” she says. She is grateful for a loan from Opportunity Fund and Kiva, which will allow her to purchase what she needs for her facility without the stress of high interest rate credit cards, the only other source of financing available to her.
Maria needs a loan to purchase cubbies and bookshelves, portable cribs, educational toys and books, and new flooring. These supplies are essential to Maria’s business to keep her enrollment up, since parents look for the quality of materials, furniture, and toys when selecting a daycare.
Maria is proud of the success of her business and that her enrollment is at capacity for the space she has. She is happy when the children, at first reluctant to leave their parents, begin to see her home as an enjoyable place to spend the day. In the future, Maria would like to move her daycare from her home to an off-site location where she would have the capacity to grow. Currently she employs one part-time and one full-time assistant, and would like to hire more people and enroll more children.
Learn more at http://kidsplace2exploreandlearn.com/ABOUT_ME.php.
Important Information About This Loan
Kiva realizes that access to credit is a challenge for entrepreneurs everywhere. Kiva started out as a website focused on developing-world entrepreneurs. In June 2009, Kiva began experimenting with allowing entrepreneurs in the United States to raise money on its website. If this is something you support, please feel free to fund this loan. If you have questions, including how an entrepreneur in your neighborhood might get a loan, please visit our Help Center and click on "Loans in the United States."
When she started her daycare, Maria had trouble getting a small business loan from a bank. “They didn’t see my home daycare as a business, and I needed a very small amount of money,” she says. She is grateful for a loan from Opportunity Fund and Kiva, which will allow her to purchase what she needs for her facility without the stress of high interest rate credit cards, the only other source of financing available to her.
Maria needs a loan to purchase cubbies and bookshelves, portable cribs, educational toys and books, and new flooring. These supplies are essential to Maria’s business to keep her enrollment up, since parents look for the quality of materials, furniture, and toys when selecting a daycare.
Maria is proud of the success of her business and that her enrollment is at capacity for the space she has. She is happy when the children, at first reluctant to leave their parents, begin to see her home as an enjoyable place to spend the day. In the future, Maria would like to move her daycare from her home to an off-site location where she would have the capacity to grow. Currently she employs one part-time and one full-time assistant, and would like to hire more people and enroll more children.
Learn more at http://kidsplace2exploreandlearn.com/ABOUT_ME.php.
Important Information About This Loan
Kiva realizes that access to credit is a challenge for entrepreneurs everywhere. Kiva started out as a website focused on developing-world entrepreneurs. In June 2009, Kiva began experimenting with allowing entrepreneurs in the United States to raise money on its website. If this is something you support, please feel free to fund this loan. If you have questions, including how an entrepreneur in your neighborhood might get a loan, please visit our Help Center and click on "Loans in the United States."
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Journal entries for Maria
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Loan has been disbursed
Location: Redwood City, Ca, United States
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Posted by
from Redwood City, Ca, United States
Sep 20, 2009 |
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Comment on this entry
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Repayment Schedule for Maria
Repayment Schedule for Maria
| Expected Repayments | Actual Repayments | Comments | |||
|---|---|---|---|---|---|
| November 2009 | $190.91 | $197.16 |  Repayment Received
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| December 2009 | $194.79 | $188.88 | Repayment Received
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| January 2010 | $194.62 | Available Jan 1 | |||
| February 2010 | $196.40 | Available Feb 1 | |||
| March 2010 | $196.28 | Available Mar 1 | |||
| April 2010 | $197.12 | Available Apr 1 | |||
| May 2010 | $200.57 | Available May 1 | |||
| June 2010 | $198.81 | Available Jun 1 | |||
| July 2010 | $200.47 | Available Jul 1 | |||
| August 2010 | $200.51 | Available Aug 1 | |||
| September 2010 | $202.12 | Available Sep 1 | |||
| October 2010 | $202.22 | Available Oct 1 | |||
| November 2010 | $203.08 | Available Nov 1 | |||
| December 2010 | $204.62 | Available Dec 1 | |||
| January 2011 | $204.82 | Available Jan 1 | |||
| February 2011 | $206.31 | Available Feb 1 | |||
| March 2011 | $206.57 | Available Mar 1 | |||
| April 2011 | $207.44 | Available Apr 1 | |||
| May 2011 | $209.93 | Available May 1 | |||
| June 2011 | $209.22 | Available Jun 1 | |||
| July 2011 | $210.59 | Available Jul 1 | |||
| August 2011 | $211.01 | Available Aug 1 | |||
| September 2011 | $212.32 | Available Sep 1 | |||
| October 2011 | $212.81 | Available Oct 1 | |||
| November 2011 | $213.71 | Available Nov 1 | |||
| December 2011 | $214.95 | Available Dec 1 | |||
| January 2012 | $215.54 | Available Jan 1 | |||
| February 2012 | $216.73 | Available Feb 1 | |||
| March 2012 | $217.38 | Available Mar 1 | |||
| April 2012 | $218.30 | Available Apr 1 | |||
| May 2012 | $219.60 | Available May 1 | |||
| June 2012 | $220.17 | Available Jun 1 | |||
| July 2012 | $221.22 | Available Jul 1 | |||
| August 2012 | $222.04 | Available Aug 1 | |||
| September 2012 | $223.05 | Available Sep 1 | |||
| October 2012 | $223.77 | Available Oct 1 | |||
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