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James always knew he wanted to be his own boss. Years ago, when he became seriously ill, James decided to leave his accounting job and start his own health and life insurance business. With over six years of experience in the industry, James took this opportunity to work in a less stressful environment and pursue his dream.

Now with two offices, one based out of Clark and one out of Bloomfield, James’s business is thriving. Along with another business partner, who is soon retiring, James works with over 200 commissioned partners in the industry.

When his father passed away two months ago, James took the tragedy, like his previous illness, as an opportunity for change. The funds from this loan will help James’ business move into a new office and help purchase supplies, such as a fax machine, a copier, a computer, desks, and file cabinets.

Additional Information

More information about this loan

This loan is part of the Kiva City Newark initiative in partnership with the Intersect Fund. Kiva City Newark is a subset of Kiva City, a program that allows Kiva lenders to make microloans to small businesses in the United States with the help of community organizations and U.S. Field Partners.

About The Intersect Fund

The Intersect Fund (IF) is a rapidly growing, nonprofit microlender and a certified Community Development Financial Institution that equips entrepreneurs in low-income areas of New Jersey with the skills and capital they need to build profitable businesses. Since inception, the organization has served more than 500 entrepreneurs. Kiva lenders’ funds are used to impact an even greater number of entrepreneurs in New Jersey and help them boost their incomes.


About United States

  • $54,800
    Average annual income
  • 18
    View loans »
    United States Loans Fundraising
  • $12,452,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $6,300 helped James to purchase office equipment such as a fax machine, copier, desks, etc.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Nov 7, 2013
Currency Exchange Loss:
Jun 18, 2015