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Kiva Fellow Joel

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Location:
Cape Town South Africa
Occupation:
Student
I loan because:
Social investment is just as important (and has just as high of returns) as financial investments.
About me:
I study the intersection of development issues and finance at a university in South Africa. I am currently serving as a Kiva Fellow in Kisumu, Kenya with K-MET.
Member Since:
Aug 8, 2008
Bio:
Joel was born and raised in a small town near Seattle, WA. At Pepperdine University, Joel was a Rhodes Scholar state finalist as well as a national finalist for the Simon Fellowship for Noble Purpose. He also received the Helen Pepperdine Volunteer Service Award in 2005. After working in the financial services industry for three years, Joel’s passion for development issues has led him to the University of Stellenbosch in South Africa where he is doing research on the impact of microfinance in East Africa. He is excited to be partnering with K-MET in Kisumu, Kenya to make a difference in the field of microfinance, and couldn’t be happier to be sharing this experience with his wife, Alison, who is also a Kiva Fellow.
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Joel's Kiva Fellowships

What is a Kiva Fellowship?
Member of Kiva Fellows Class KF8

Fellow at K-Met Savings and Credit Cooperative Ltd

Jun 15, 2009 to Aug 31, 2009

Updates From The Field

Typical
Sep 1, 2009
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by Joel Carlman, KF8 As a parting shot from my Kiva Fellowship, I put this short video together to represent what a “typical” Kenyan woman’s life is like. It doesn’t even begin to do [...]
On Buoyancy
Aug 24, 2009
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by Joel Carlman, KF8 As I enter the final week of my Kiva Fellowship here in Kisumu, Kenya, I find myself thinking about what my time here ha [...]
Bound Together, Not Tied Down
Jul 15, 2009
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By Joel Carlman, KF8 – Kisumu Medical & Education Trust – Kisumu, Kenya Over the years, there have been many entries on this site (and on many others) about the popular topic of group [...]
Better Together
Jun 18, 2009
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Jo el Carlman – Kisumu, Kenya – KF8 Hello from Kisumu, Kenya! After 36 hours of flying and several very sound nights of sleep, I’m writing you from the offices of Kisumu Medical and Education [...]

Entrepreneurs Joel Has Visited

Update for Pamela
Aug 18, 2009
Pamela is a busy women these days. She is making chapattis out by the road in the mornings and doing tailoring work in the evening. She’s been doing this type of work for a long time, and it is like second [...]
Update for Mary
Aug 18, 2009
Mary is mainly working as a hairdresser these days. She was fortunate enough to go into partnership with two other talented women, and together, they run a beauty salon. Even though hairdressing hasn’t always [...]
Update for Consolata
Aug 18, 2009
Consolata is a quiet, hard-working woman. She has a successful business selling used clothes on the side of the “ring road” outside of Kisumu, Kenya. I had the opportunity to visit Consolata at her home the [...]
Update for Rose
Aug 18, 2009
Rose has been running her stall in Jubilee market for 14 years. She has been a member of K-MET almost since the organization was started. This loan is her 4th with K-MET, and it has allowed her to build a house [...]
Update for Eveline
Aug 18, 2009
Eveline has been a K-MET member for about 6 months. This means that she she visits the sick in her community, refers to local health providers, educates her peers on health-related issues, and distributes the [...]

Joel's Loans

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1-28 of 32 loans

  • Joel Alexander
    Joel Alexander
    Personal Housing Expenses
    Nicaragua
    Paying back
    34% repaid
  • Kimya Plus Group
    Kimya Plus Group
    Restaurant
    The Democratic Republic of the Congo
    Paid back
    100% repaid
  • Richard
    Richard
    Motorcycle Transport
    Uganda
    Paid back
    100% repaid
  • Simonia
    Simonia
    Clothing Sales
    Rwanda
    Paid back
    100% repaid
  • Juliet
    Juliet
    Quarrying
    Philippines
    Paid back
    100% repaid
  • Riza
    Riza
    Motorcycle Transport
    Philippines
    Paid back
    100% repaid
  • Tameem
    Tameem
    Poultry
    Palestine
    Paid back
    100% repaid
  • Ali
    Ali
    Farming
    Lebanon
    Paid back
    100% repaid
  • Matanat
    Matanat
    Cattle
    Azerbaijan
    Paid back
    100% repaid
  • Anonymous
    Anonymous
    Auto Repair
    Iraq
    Paid back
    100% repaid
  • Mujeres Emprendedoras Group
    Mujeres…
    Clothing Sales
    Dominican Republic
    Paid back
    100% repaid
  • Suzanne
    Suzanne
    Clothing Sales
    Lebanon
    Paid back
    100% repaid
  • Saeda
    Saeda
    Food Market
    Lebanon
    Paid back
    100% repaid
  • Thida
    Thida
    Personal Housing Expenses
    Cambodia
    Paid back
    100% repaid
  • Luzviminda
    Luzviminda
    Rickshaw
    Philippines
    Paid back
    100% repaid
  • Rose
    Rose
    Fish Selling
    Kenya
    Paid back
    100% repaid
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Joel's Teams

Joel's Invites

7 accepted invitations

Portfolio Distribution

  • By Gender
  • By Country
  • By Sector
  • By Partner

Gender

Distribution By Gender
Gender %
Female68.75%
Male31.25%

Country

Distribution By Country
Country %
Philippines12.50%
Lebanon9.38%
Rwanda6.25%
Kenya6.25%
Tanzania6.25%
Zimbabwe6.25%
Peru3.13%
Ukraine3.13%
Senegal3.13%
The Democratic Republic Of The Congo3.13%
Uganda3.13%
Paraguay3.13%
Pakistan3.13%
Ecuador3.13%
Dominican Republic3.13%
Cambodia3.13%
Burundi3.13%
Iraq3.13%
Mongolia3.13%
Azerbaijan3.13%
Nigeria3.13%
Nicaragua3.13%
Palestine3.13%

Sector

Distribution By Sector
Sector %
Retail18.75%
Clothing18.75%
Agriculture15.63%
Services12.50%
Food12.50%
Transportation9.38%
Construction6.25%
Housing6.25%

Partner

Distribution By Field Partner
Field Partner %
Ameen S.a.l.9.38%
MicroKing Savings And Credit Company (MKF)6.25%
K-Met Savings And Credit Cooperative Ltd6.25%
Paglaum Multi-Purpose Cooperative (PMPC)3.13%
MAXIMA Mikroheranhvatho Co., Ltd.3.13%
Lift Above Poverty Organization (LAPO)3.13%
Ryada, A Partner Of CHF International3.13%
Turame Community Finance, A Partner Of World Relief And HOPE International3.13%
XacBank3.13%
Youth Self Employment Foundation (YOSEFO)3.13%
Vision Finance Company S.a. (VFC), A Partner Of World Vision International3.13%
UIMCEC, A Partner Of ChildFund International3.13%
HOPE Ukraine, A Partner Of HOPE International3.13%
Tujijenge Tanzania Ltd3.13%
HOFOKAM Ltd., A Partner Of Catholic Relief Services3.13%
Aqroinvest Credit Union3.13%
Asasah, A Partner Of Save The Children3.13%
Amasezerano Community Banking S.A.3.13%
Al-Thiqa Organization3.13%
Ahon Sa Hirap, Inc. (ASHI)3.13%
Banco D-MIRO S.A.3.13%
Caja Rural Señor De Luren3.13%
Gata Daku Multi-purpose Cooperative (GDMPC)3.13%
AFODENIC3.13%
Fundación Paraguaya3.13%
Esperanza International Dominican Republic, A Partner Of HOPE International3.13%
Community Economic Ventures, Inc. (CEVI), A Partner Of VisionFund International3.13%
HOPE DRC, A Partner Of HOPE International3.13%