Tonya
Status: Paying Back
| $10,000.00 | Loan Amount |
|---|
0% repaid
About the Entrepreneur
(For privacy reasons, the Field Partner has requested that last name be undisclosed)| Name: | Tonya |
|---|---|
| Location: | San Jose, California, United States |
| Activity: | Services |
About the Loan
| Loan Amount: | $10,000.00 |
|---|---|
| Loan Use: | To hire an additional plumber and purchase another vehicle and new equipment |
| Repayment Term: | 38 months - View details below |
| Lenders Repaid: | Monthly |
| Currency Exchange Loss: | N/A
 |
| Date Listed: | Oct 26, 2009 |
| Date Disbursed: | Oct 13, 2009 |
| Date Funded: | Oct 31, 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) |
Tonya never imagined she would end up running a plumbing company but, following a series of challenges, that’s exactly how Tonya and her husband, Ted, found a way to provide for their family.
At age 18, Tonya gave birth to their oldest son, and two more children followed soon thereafter. The family survived for years on her husband’s work as a plumber and Tonya’s career as a corporate executive assistant.
After suffering through a severe illness for a few years, Tonya was laid off from her job in 2008. Throughout Tonya’s illness and recovery, Ted was by her side to take care of her. He cut back his hours working as a plumber and eventually the family filed for bankruptcy as medical bills stacked up. “When all was said and done, we’d lost our home, lost everything and had to start over.”
Tonya is now healthy and grateful for a new chance at life. She works side-by-side with her husband at Plumbwerx Plumbing, their family-run business. It’s a full service plumbing company specializing in all phases of residential and commercial plumbing, with one of their niches being tankless water heaters, an eco-friendly product that saves consumers money, energy and provides continuous hot water!
“Most people aren’t expecting to see a woman running a plumbing business when they come into the office,” said Tonya. But it’s clear she runs a tight ship and she puts her background as a corporate executive assistant to good use, deftly managing the accounting, marketing, sales, inventory, and dispatching her husband and team on jobs.
“I get calls everyday from referral partners who want us to provide all types of plumbing services but I have to turn them down because we don’t have the manpower to meet demand,” said Tonya. A $10,000 loan will allow Plumbwerx to hire an additional plumber and purchase another vehicle and new equipment.
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."
At age 18, Tonya gave birth to their oldest son, and two more children followed soon thereafter. The family survived for years on her husband’s work as a plumber and Tonya’s career as a corporate executive assistant.
After suffering through a severe illness for a few years, Tonya was laid off from her job in 2008. Throughout Tonya’s illness and recovery, Ted was by her side to take care of her. He cut back his hours working as a plumber and eventually the family filed for bankruptcy as medical bills stacked up. “When all was said and done, we’d lost our home, lost everything and had to start over.”
Tonya is now healthy and grateful for a new chance at life. She works side-by-side with her husband at Plumbwerx Plumbing, their family-run business. It’s a full service plumbing company specializing in all phases of residential and commercial plumbing, with one of their niches being tankless water heaters, an eco-friendly product that saves consumers money, energy and provides continuous hot water!
“Most people aren’t expecting to see a woman running a plumbing business when they come into the office,” said Tonya. But it’s clear she runs a tight ship and she puts her background as a corporate executive assistant to good use, deftly managing the accounting, marketing, sales, inventory, and dispatching her husband and team on jobs.
“I get calls everyday from referral partners who want us to provide all types of plumbing services but I have to turn them down because we don’t have the manpower to meet demand,” said Tonya. A $10,000 loan will allow Plumbwerx to hire an additional plumber and purchase another vehicle and new equipment.
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 Tonya
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Loan has been disbursed
Location: San Jose, California, United States
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Posted by
from San Jose, California, United States
Nov 1, 2009 |
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Comments (1)
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Repayment Schedule for Tonya
Repayment Schedule for Tonya
| Expected Repayments | Actual Repayments | Comments | |||
|---|---|---|---|---|---|
| January 2010 | $248.88 | Available Jan 1 | |||
| February 2010 | $255.32 | Available Feb 1 | |||
| March 2010 | $255.00 | Available Mar 1 | |||
| April 2010 | $256.36 | Available Apr 1 | |||
| May 2010 | $262.36 | Available May 1 | |||
| June 2010 | $259.12 | Available Jun 1 | |||
| July 2010 | $261.96 | Available Jul 1 | |||
| August 2010 | $261.90 | Available Aug 1 | |||
| September 2010 | $264.66 | Available Sep 1 | |||
| October 2010 | $264.70 | Available Oct 1 | |||
| November 2010 | $266.11 | Available Nov 1 | |||
| December 2010 | $268.75 | Available Dec 1 | |||
| January 2011 | $268.95 | Available Jan 1 | |||
| February 2011 | $271.52 | Available Feb 1 | |||
| March 2011 | $271.83 | Available Mar 1 | |||
| April 2011 | $273.28 | Available Apr 1 | |||
| May 2011 | $277.72 | Available May 1 | |||
| June 2011 | $276.21 | Available Jun 1 | |||
| July 2011 | $278.58 | Available Jul 1 | |||
| August 2011 | $279.16 | Available Aug 1 | |||
| September 2011 | $281.45 | Available Sep 1 | |||
| October 2011 | $282.14 | Available Oct 1 | |||
| November 2011 | $283.65 | Available Nov 1 | |||
| December 2011 | $285.81 | Available Dec 1 | |||
| January 2012 | $286.68 | Available Jan 1 | |||
| February 2012 | $288.76 | Available Feb 1 | |||
| March 2012 | $289.74 | Available Mar 1 | |||
| April 2012 | $291.28 | Available Apr 1 | |||
| May 2012 | $293.65 | Available May 1 | |||
| June 2012 | $294.39 | Available Jun 1 | |||
| July 2012 | $296.27 | Available Jul 1 | |||
| August 2012 | $297.54 | Available Aug 1 | |||
| September 2012 | $299.33 | Available Sep 1 | |||
| October 2012 | $300.71 | Available Oct 1 | |||
| November 2012 | $302.31 | Available Nov 1 | |||
| December 2012 | $303.92 | Available Dec 1 | |||
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