Grace Acen

This business received loan money worth $500 to boost their business capital.

Grace received the money with lot of joy.

Money has already been put into the business.

More about this business will come in the next journal.

Janet.

Grace is very happy and her business in doing very well. She is able now to manage the business properly and she is realising much profits now and the business is getting on well every other time.

She is so grateful to the lenders who have helped alot that now she is able to educated her children out of the profits she gets and also maintain the family.

Dear lender am so grateful alot and please let me inform you, that this loan has created a big change in my life and family.

May the almighty God reward you for the good work and heart of helping me and my family.

Grace lives to say Big changes are upon her life and family.

Her business is progressing every other day, just because of the loan money that she received from kiva lenders.

The profits are going high and high every other time, because the stock is ever there and all this is because of the kiva loan she got.

Her message is thanks alot for being so good, lending to her such a soft loan that she is ever seeing progress. May the good Lord be with you all dear lender.

Thanks alot for changing lives of many live Grace, she is so grateful and paying her loan so nicely and in time.

Janet.

This loan has been refunded for the following reason:

As you may be aware, each business on Kiva's website is posted by one of Kiva's 60+ Field Partners in 39 developing countries. A Field Partner is an independent microfinance institution that has a history of lending to the poor for a social purpose. They screen each entrepreneur, post his/her profile on the Kiva website, and administer your loan.

Kiva routinely audits each Field Partner to ensure your loan is being dutifully administered to the entrepreneur you've selected. In the course of auditing our Field Partner, Women's Initiative to Eradicate Poverty (WITEP) in Uganda, Kiva discovered that some entrepreneurs were not receiving the full amount of their loans.

This violates Kiva's policies and we have terminated our relationship with WITEP. All of the loans made to entrepreneurs served by this Field Partner have been refunded. We hope you realize that our audit uncovered a true exception to the norm; the vast majority of our Field Partners administer your loans with the highest integrity. Kiva will continue to audit Field Partners to ensure your loan is being dutifully administered and to make our website a model for transparency in international development.

To help inform your choice of Field Partner as well as entrepreneur, we have launched a new feature on the site which helps you evaluate the Field Partner's performance in your lending decision. See www.kiva.org/about/partners/ for details.

We hope that you give lending to the working poor another chance by re-lending your Kiva Credit to a new entrepreneur on our site.