Aniele, 23, was born and has always lived in São Paulo. Since she was young she has worked as a hairdresser, learning the trade at age 14 while working as a nanny in a family home where the children's mother was a hairdresser. She gradually taught Aniele, and since then Aniele has taken several courses to perfect her skills.
She is married and has a child who is 2 months old; she loves to be with him. Today she has a space to meet her customers, but she needs to buy equipment to increase the number of customers and also offer her best quality work. In the hall her mother works doing manicures and waxing, and her brother does men's haircuts. She enlists the help of her sister to take care of the baby.
About Banco Pérola:
This loan is administered by Kiva partner Banco Pérola, a non-profit organization that aims to contribute to social change in Brazil through the financial inclusion of young entrepreneurs. Banco Pérola is primarily focused on funding loans to young entrepreneurs (ages 18-35) in the Brazilian state of São Paulo. The organization is an off-shoot of Projeto Pérola, an NGO that offers youths trainings and educational courses on arts, culture, and digital media. Banco Pérola was created after staff observed that the youth served by Projeto Pérola had solid business ideas and the drive to execute them but were unable to fund their ideas due to their lack of credit history or collateral.
Banco Pérola joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.