Owena James

This business received loan money worth $700. Owena received the money with Joy during the time he received the loan money.

The Loan money has been put into business. more details will come later from Journal report.

Janet.

James is now a supplier of many a buttoirs in most neighbouring town and centers.

The loan money enabled him to increase the number of stock he use to buy from 3 to now 16 cows.

He is making very good profits and the business is growing every other week he goes to shop or buy.

Many thanks to dear great lenders who are enabling businesses grow rapidly and making the standard of lives change.

God reward you big for the good encouraging works you are doing and have done.

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.