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Kiva Fellow Dennis A. Espinoza

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Location:
Ann Arbor MI United States
I loan because:
entrepreneurship is one of the most effective means of education and development for any individual, family, community or country.
About me:
I'm a former Kiva Fellow and current graduate student at the University of Michigan.
Check out:
http://fellowsblog.kiva.org/
Member Since:
Nov 25, 2008
Bio:
Dennis A. Espinoza, born in Guatemala City, Guatemala, has spent the majority of his life in Chicago, IL. Upon graduating from Wheaton College with an Economics major, Dennis accepted a job with Discover Financial Services. He has spent the last four years working for Discover managing the development and implementation of strategic payment services. Inspired by family and friends who have worked in microfinance, Dennis has always had a passion for utilizing his skills and education to increase the professional opportunities available to those around the world. As a Kiva Fellow, he looks forward to assisting in the advancement of Kiva's mission as well as supporting the development of Kiva's individual field partners.
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Dennis A. Espinoza's Kiva Fellowships

What is a Kiva Fellowship?
Member of Kiva Fellows Class KF9

Fellow at Grounded and Holistic Approach for People's Empowerment (GHAPE)

Nov 1, 2009 to Jan 26, 2010

Member of Kiva Fellows Class KF10

Fellow at Apoyo Integral

El Salvador

Feb 8, 2010 to Apr 30, 2010

Updates From The Field

An Appropriate Interest Rate: The Character of the Microfinance Industry
Apr 19, 2010
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By Dennis A. Espinoza, KF10, El Salvador When I first heard about microfinance I saw it as a great way to make reliable returns. The emphasis on the social returns was great and the possibility of [...]
Education for your son or your daughter? (you can only afford to pick one)
Mar 8, 2010
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By Dennis A. Espinoza, KF10, El Salvador Imagine you are a mother or a father to both a son and a daughter. If you only had enough money to send one of your two children to school, which one would you send? [...]
The Passing of a Kiva Borrower
Nov 19, 2009
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Saahkem Dorothy Muyang. 1954 - 2009. By Dennis A. Espinoza, KF9, Grounded and Holistic Approach for People’s Empowerment (GHAPE) in Bamenda, Cameroon I was worki [...]
My Kiva Fellowship kicks off in 5 hours…
Nov 1, 2009
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By Dennis A. Espinoza, KF9 Cameroon Saludos Kiva Community – My name is Dennis Espinoza and in a few hours I will be leaving for Africa to serve with GHAPE , a longstanding Kiva partner based in [...]

Entrepreneurs Dennis A. Espinoza Has Visited

Update for María Rosario
May 13, 2010
In a recent visit to Apoyo Integral\'s Kiva borrowers throughout Colon, El Salvador, I had an opportunity to speak with Maria Rosario about her loan and get the latest update on her business. Arriving to [...]
Update for María Teresa
May 13, 2010
In a recent visit to Apoyo Integral\'s Kiva borrowers throughout Colon, El Salvador, I had an opportunity to speak to Maria Teresa about her loan and get the latest on her business. Upon arriving to Maria [...]
Update for Blanca Mirian
May 13, 2010
In a recent visit to Apoyo Integral\'s Kiva borrowers throughout Colon, El Salvador, I had an opportunity to speak to Blanca Mirian about her loan and get the latest update on her loan and her business. [...]
Update for María Celia
May 13, 2010
In a recent visit to Apoyo Integral\'s Kiva borrowers throughout Colon, El Salvador, I had an opportunity to speak to Maria Celia\'s mother about Maria\'s loan and the family business. Upon arriving to [...]
Update for Ana Elizabeth
May 13, 2010
In a recent visit to Apoyo Integral\'s Kiva borrowers throughout Colon, El Salvador, I had an opportunity to speak to Ana Elizabeth about her loan and her business. Ana\'s beauty salon is based out of her [...]

Dennis A. Espinoza's Loans

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1-28 of 30 loans

  • Duo Vidas Iluminandas Group
    Duo Vidas…
    Clothing Sales
    Guatemala
    Paying back
    83% repaid
  • Gregory
    Gregory
    Call Center
    United States
    Paying back
    40% repaid
  • Rafael
    Rafael
    Agriculture
    Costa Rica
    Paying back
    33% repaid
  • Pedro
    Pedro
    Taxi
    United States
    Paying back
    58% repaid
  • Anonymous
    Anonymous
    Property
    Lebanon
    Paid back
    100% repaid
  • Nji
    Nji
    Motorcycle Transport
    Cameroon
    Paying back
    57% repaid
  • Anonymous
    Anonymous
    General Store
    Costa Rica
    Paying back
    55% repaid
  • Jose Manuel
    Jose Manuel
    Personal Housing Expenses
    Nicaragua
    Paid back
    100% repaid
  • Nora Gladys
    Nora Gladys
    Clothing Sales
    El Salvador
    Paid back
    100% repaid
  • Pablo Roberto
    Pablo Roberto
    Personal Housing Expenses
    Nicaragua
    Paid back
    100% repaid
  • Yanis
    Yanis
    Personal Housing Expenses
    Nicaragua
    Paid back
    100% repaid
  • Farncisco
    Farncisco
    Cattle
    Nicaragua
    Paid back
    100% repaid
  • Rosa Lidia
    Rosa Lidia
    Soft Drinks
    El Salvador
    Paid back
    100% repaid
  • Salvador
    Salvador
    Bakery
    El Salvador
    Paid back
    100% repaid
  • Frederick
    Frederick
    Food Production/Sales
    Cameroon
    Paid back
    100% repaid
  • Emmanuel
    Emmanuel
    Shoe Sales
    Nigeria
    Paid back
    100% repaid
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Dennis A. Espinoza's Teams

Dennis A. Espinoza's Invites

7 accepted invitations

Portfolio Distribution

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

Gender

Distribution By Gender
Gender %
Male63.33%
Female36.67%

Country

Distribution By Country
Country %
Nicaragua23.33%
El Salvador13.33%
Cameroon10.00%
United States6.67%
Guatemala6.67%
Ghana6.67%
Costa Rica6.67%
Uganda3.33%
Paraguay3.33%
Tanzania3.33%
Lebanon3.33%
Chile3.33%
Ecuador3.33%
Mexico3.33%
Nigeria3.33%

Sector

Distribution By Sector
Sector %
Food23.33%
Clothing20.00%
Housing16.67%
Retail16.67%
Agriculture13.33%
Transportation6.67%
Services3.33%

Partner

Distribution By Field Partner
Field Partner %
Apoyo Integral13.33%
CEPRODEL13.33%
Grounded And Holistic Approach For People`s Empowerment (GHAPE)10.00%
EDESA6.67%
Sinapi Aba Trust (SAT)6.67%
Fundación León 20006.67%
ACCION USA6.67%
Fundación Paraguaya3.33%
Lift Above Poverty Organization (LAPO)3.33%
Tujijenge Tanzania Ltd3.33%
Pearl Microfinance Limited3.33%
FAPE3.33%
Ameen S.a.l.3.33%
AFODENIC3.33%
Asociación ASDIR3.33%
Credituyo3.33%
Fondo Esperanza3.33%
Fundación ESPOIR3.33%