Joy O. is 33 years old. She is married and has 3 children. She and her family live in Benin city, in Edo state, Nigeria. She sells crates of drinks in either wholesale lots or at retail, to her customers. Joy is requesting the loan amount of N102, 000 to purchase additional supplies of drinks for resale. She says thank you to all those who made this loan possible.
The Kiva Field Partner in Nigeria who administers this loan is called the Lift Above Poverty Organization (LAPO). Kiva’s Staff wants to call your attention to the fact that LAPO is the subject of controversy. While all Kiva Field Partners charge an interest rate on loans to sustainably operate, LAPO’s interest rates (see their “Portfolio Yield”) and profitability (see their “Return on Assets”) are amongst the highest on Kiva. Kiva’s Staff encourages you to learn more about this Nigerian Field Partner before making this loan. http://www.kiva.org/partners/20