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Kiva Lender Heber

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Location:
Mexico City, D.F., Mexico
Occupation:
Equity Research Analyst
I loan because:
There are a number of reasons why I lend : The first and most important is simply because I feel that anyone who has been blessed as much as I owes an obligation to God and to society. By providing financing whether for seed capital, expansion projects, or operating expenses we can help an ambitious entrepreneur make ends meet, while enhancing rather than diminishing his/her dignity. Having lived over 85% of my live in less developed countries I have noticed that the least privileged are much more ambitious and innovative than many assume. By providing some small assistance to help the less privileged achieve their goals through the context of individual strengths, insights, and dreams we can forestall the need for them to fall back on the already bloated and inefficient central government social mechanisms. Rather than give a man a fish or teach him how to fish, Kiva.org lets us finance his/her ambition and first hand knowledge of the local community. I also lend because it is kind of fun to manage a loan portfolio. Besides helping others in need I like to try my hand at loan selection and try to maintain a healthy portfolio.
About me:
Married with 3 children. Wish I could do more to help people rise to a higher level.
Member Since:
Nov 26, 2007
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Heber's Loans

1-28 of 672 loans

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Heber's Teams

Heber's Invites

Showing 5 accepted invitations

Portfolio Distribution

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

Gender

Distribution By Gender
Gender %
Female59.38%
Male40.63%

Country

Distribution By Country
Country %
Philippines19.35%
Tajikistan11.76%
Cambodia8.93%
Ecuador7.44%
Paraguay6.85%
Georgia6.25%
Mongolia4.32%
Armenia4.32%
Bolivia3.72%
El Salvador2.83%
Azerbaijan2.53%
Palestine1.93%
Lebanon1.79%
Honduras1.79%
Tanzania1.49%
Peru1.49%
Kenya1.49%
Uganda1.04%
Burundi0.74%
Rwanda0.74%
South Sudan0.74%
Ghana0.60%
The Democratic Republic Of The Congo0.60%
Mexico0.45%
Pakistan0.45%
Cameroon0.45%
Zimbabwe0.45%
Albania0.45%
Viet Nam0.45%
Kyrgyzstan0.30%
Senegal0.30%
Congo0.30%
Zambia0.15%
Togo0.15%
Timor-Leste0.15%
Sierra Leone0.15%
Yemen0.15%
South Africa0.15%
Ukraine0.15%
United States0.15%
Liberia0.15%
Dominican Republic0.15%
Guatemala0.15%
India0.15%
Costa Rica0.15%
Colombia0.15%
Benin0.15%
Burkina Faso0.15%
Indonesia0.15%
Iraq0.15%
Mozambique0.15%
Nicaragua0.15%
Mali0.15%
Kosovo0.15%
Israel0.15%
Jordan0.15%
Samoa0.15%

Sector

Distribution By Sector
Sector %
Agriculture27.83%
Retail24.11%
Food17.26%
Services8.33%
Clothing5.80%
Transportation5.21%
Personal Use3.72%
Housing3.42%
Construction1.34%
Manufacturing0.89%
Wholesale0.60%
Arts0.60%
Health0.45%
Education0.45%

Partner

Distribution By Field Partner
Field Partner %
Negros Women For Tomorrow Foundation, Inc. (NWTF)14.43%
Fundación Paraguaya6.85%
LLC Micro Finance Organization Credo6.25%
VisionFund Cambodia5.36%
MLO Humo And Partners5.36%
Fundación ESPOIR4.61%
Alalay Sa Kaunlaran, Inc. (ASKI)4.61%
CSC MDO "IMON International"4.32%
SEF International UCO LLC, A Partner Of World Vision International4.32%
XacBank4.32%
Apoyo Integral2.83%
Hattha Kaksekar Limited (HKL), A Partner Of Save The Children2.53%
Pro Mujer Bolivia2.08%
Palestine For Credit & Development (FATEN)1.93%
Norwegian Microcredit LLC (Normicro)1.79%
Organizacion De Desarrollo Empresarial Femenino (ODEF)1.79%
Cooperativa San Jose1.79%
Fundación AgroCapital, A Partner Of ACDI/VOCA1.64%
MDO Arvand, LLC1.64%
Tujijenge Tanzania Ltd1.19%
Banco D-MIRO S.A.1.04%
Milango Financial Services1.04%
Al Majmoua Lebanese Association For Development1.04%
Pearl Microfinance Limited0.89%
KREDIT Ltd.0.89%
FINCA Peru0.74%
VisionFund AzerCredit LLC0.74%
Finance Sudan Limited0.74%
Vitas. S.a.l.0.74%
Turame Community Finance, A Partner Of World Relief And HOPE International0.74%
Urwego Opportunity Bank0.60%
Microfinanzas Prisma0.45%
MicroKing Finance0.45%
VisionFund Albania0.45%
Capital Aid Fund For Employment Of The Poor (CEP)0.45%
ACEP Cameroun0.45%
MLF Microinvest, A Partner Of ACDI/VOCA0.45%
Hekima, A Partner Of World Relief0.30%
VisionFund Mexico0.30%
MCC Mol Bulak Finance LLC0.30%
BRAC Tanzania0.30%
EDAPROSPO0.30%
Christian Rural Aid Network (CRAN)0.30%
HOPE DRC, A Partner Of HOPE International0.30%
HOPE Congo S.A.0.30%
Asasah0.30%
CAURIE Microfinance, A Partner Of Catholic Relief Services0.30%
ID Ghana0.30%
South Pacific Business Development (SPBD)0.15%
Soro Yiriwaso, A Partner Of Save The Children0.15%
AMK (Angkor Microfinance Kampuchea)0.15%
Salone Microfinance Trust (SMT), A Partner Of ChildFund International0.15%
Amasezerano Community Banking S.A.0.15%
SMEP - Deposit Taking Microfinance Limited0.15%
Tuba Rai Metin0.15%
Community Economic Ventures, Inc. (CEVI), A Partner Of VisionFund International0.15%
Admic Nacional0.15%
Zoona0.15%
Women And Associations For Gain Both Economic And Social (WAGES)0.15%
FUDECOSUR0.15%
Esperanza International Dominican Republic, A Partner Of HOPE International0.15%
Al-Amal Microfinance Bank0.15%
Alidé0.15%
Opportunity International- Wedco Ltd.0.15%
Mahashakti Foundation0.15%
CHF International Access To Credit Services Initiatives (ACSI) Iraq0.15%
Micro Credit For Development And Transformation SACCO (MCDT SACCO)0.15%
Maharishi Education For Invincibility Trust0.15%
León 2000 IMF0.15%
Koperasi Mitra Usaha Kecil (MUK)0.15%
Koret Israel Economic Development Funds (KIEDF)0.15%
KosInvest0.15%
Micro Start/AFD0.15%
HOPE Ukraine0.15%
BRAC Liberia Microfinance Company Limited0.15%
Pacific Asian Consortium In Employment0.15%
Paglaum Multi-Purpose Cooperative (PMPC)0.15%
Interactuar0.15%
BRAC Pakistan0.15%
Hluvuku-Adsema0.15%
Motorbank Kenya0.15%
National Microfinance Bank0.15%
Asociación ASDIR0.15%

Heber's Lending Activity by Country

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  • - loans made
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fundraising loans

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