Luciana Calma

Status: Paid Back

$225	Loan Request Pre-Disbursed : Nov 24, 2008 Listed: Jan 1, 2009 Funded: Jan 1, 2009
$225	Paid Back Ended: Jun 15, 2009

About the Field Partner

Alalay sa Kaunlaran, Inc. (ASKI) administers this loan. Learn more

Field Partner:

Alalay sa Kaunlaran, Inc. (ASKI)

Field Partner Risk Rating:

(Learn more)

Fundraising Status:

Active

Time on Kiva:

14 months

Kiva Entrepreneurs:

4732

Total Loans:

$928,200

Interest & Fees are Charged:

Yes (Learn more)

Portfolio Yield:	50%
Profitability (Return on Assets):	1%
Average Loan Size (% of Per Capita Income):	13%

Delinquency Rate:

0.00%

Default Rate:

0.00%

Currency Exchange Loss Rate:

0.00%

About the Country

Country:	Philippines
Avg Annual Income:	$1175
Currency:	Philippines Pesos (PHP)
Exchange Rate:	48.9940 PHP = 1 USD

About the Loan

Location:	Old San Mariano, San Mariano Isabela, Philippines	Repayment Term:	8 months (more info)
Activity:	General Store	Repayment Schedule:	Monthly
Loan Use:	Luciana would like to purchase more stocks for her store.	Currency Exchange Loss:	Covered
		Default Protection:	Covered

“I believe that through faith and hard work, I will somehow achieve my dreams in life and I am always willing to wait for that right time,” Luciana says with her belief that in God’s time they will be blessed. Luciana Calma is 39 years old and married to Hector, a diligent farmer. They have two children: Mark Anthony – 15 years old, a senior high school student and Melvin – 13 years old, a freshman in high school. Her family is living in the urban area of Old San Mariano, Isabela where they need to ride a ferry boat to when their place was being flooded.

She is operating a sari-sari store (a community based store) in their village. She is glad that she is earning a weekly income of PHP1, 000.00. However, this income is not enough to meet all the needs of their family. So Luciana would like to request a loan of PHP10, 000 to purchase more stocks for her store. This amount will definitely improve not only her business but also her income someday. Her business is of great help in their family and with the education of their children. She hopes to have a progressive family and through their diligence and hard work, everything is possible.

Lenders to this entrepreneur

Barbara + Bob
Columbus, OH
United States

Glen
San Francisco, CA
United States

John

Richard
Arlington Heights, IL
United States

Roger
Clinton, IN
United States

Doris
New York, NY
United States

Charles
Fairbanks, AK
United States

Top Lending Teams for this entrepreneur

Friends of Paglaum MPC- Philippines
Field Partner Fans
27 Members

Journal entries for Luciana Calma

Loan has been disbursed Entrepreneur: Luciana Calma Location: Old San Mariano, San Mariano Isabela, Philippines Thank you for your loan. It has been disbursed to Luciana Calma by Alalay sa Kaunlaran, Inc. (ASKI) in Philippines. We are excited to watch this business grow. Over the 5 months of this loan, Alalay sa Kaunlaran, Inc. (ASKI) will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.
Posted by from Old San Mariano, San Mariano Isabela, Philippines Jan 2, 2009
Comment on this entry

Loans that maintains her village store Entrepreneur: Luciana Calma Location: Old San Mariano, San Mariano Isabela, Philippines Luciana maintained her village store business through the financial assistance that Kiva lenders entrusted to her. Her loan enables her to buy assorted merchandise such as coffee, sugar, rice, milk, bread and common medicines for common sickness that she will offer in her store. She also buys medicines for their personal use. The financial support really great help in sending her children to school through her income she earned from her business and from the lenders.
Posted by Kristine Victoria from Old San Mariano, San Mariano Isabela, Philippines Feb 9, 2009
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Repayment Schedule for Luciana Calma

Show Advanced

	Expected Repayments	Actual Repayments	Comments
March 2009	$93.80	$93.82	Repayment Received
April 2009	$37.52	$37.52	Repayment Received
May 2009	$46.90	$46.90	Repayment Received
June 2009	$37.52	$37.52	Repayment Received
July 2009	$9.26	$9.24	Repayment Received