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Kiva Lender RAY

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Location:
RED SPRINGS, NC, United States
Occupation:
RETIRED ARMY NOW TEACHING
I loan because:
WHY NOT? "I've been a fool for lesser things"-Billy Joel There were times, I was down and out - I know what it's like to need some help.
About me:
I have spent 30 years in uniform - I now teach young adults basic skills for living in today's world. HOOAH!
Member Since:
Feb 10, 2008
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RAY's Loans

1-28 of 91 loans

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RAY's Teams

Portfolio Distribution

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

Gender

Distribution By Gender
Gender %
Female52.75%
Male47.25%

Country

Distribution By Country
Country %
Philippines40.66%
Peru31.87%
Tajikistan4.40%
Kenya4.40%
Nicaragua4.40%
Cambodia2.20%
Indonesia2.20%
Azerbaijan2.20%
Ukraine1.10%
Benin1.10%
Uganda1.10%
Honduras1.10%
Mexico1.10%
Paraguay1.10%
Rwanda1.10%

Sector

Distribution By Sector
Sector %
Retail29.67%
Agriculture25.27%
Food18.68%
Transportation13.19%
Clothing3.30%
Services3.30%
Construction2.20%
Personal Use2.20%
Arts1.10%
Manufacturing1.10%

Partner

Distribution By Field Partner
Field Partner %
Asociación Arariwa16.48%
Alalay Sa Kaunlaran, Inc. (ASKI)9.89%
Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI)8.79%
FINCA Peru6.59%
Community Economic Ventures, Inc. (CEVI), A Partner Of VisionFund International6.59%
Center For Community Transformation Credit Cooperative (CCT)4.40%
Negros Women For Tomorrow Foundation, Inc. (NWTF)4.40%
Microfinanzas Prisma4.40%
Kenya Agency For Development Of Enterprise And Technology (KADET), A Partner Of World Vision…3.30%
Paglaum Multi-Purpose Cooperative (PMPC)3.30%
Edpyme Alternativa3.30%
Gata Daku Multi-purpose Cooperative (GDMPC)3.30%
MLF Microinvest, A Partner Of ACDI/VOCA2.20%
CEPRODEL2.20%
MLO Humo And Partners1.10%
Urwego Opportunity Bank1.10%
AMK (Angkor Microfinance Kampuchea)1.10%
Alidé1.10%
Norwegian Microcredit LLC (Normicro)1.10%
Prisma Honduras, S.A.1.10%
AFODENIC1.10%
Manuela Ramos / CrediMUJER1.10%
PT Rekan Usaha Mikro Anda (Ruma)1.10%
León 2000 IMF1.10%
Fundación Paraguaya1.10%
CSC MDO "IMON International"1.10%
Faulu Kenya1.10%
Admic Nacional1.10%
Hattha Kaksekar Limited (HKL), A Partner Of Save The Children1.10%
Aqroinvest Credit Union1.10%
HOPE Ukraine1.10%
HOFOKAM Ltd., A Partner Of Catholic Relief Services1.10%
Family Business Partners/Ganesha (MBK)1.10%

RAY's Lending Activity by Country

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  • - loans made
  • - loans made
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fundraising loans

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