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Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
Yao Félix is 50 years old and works as a farmer in Côte d'Ivoire with his wife and two children.
Yao Félix plans to use this loan to purchase a solar kit composed of 4 LED lamps, a rechargeable battery with a solar panel, and a television. This will allow him to light up his house and spend time with his family.
The solar kit will also allow Yao Félix to work longer hours, after the sun sets.
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Translated from French by Kiva volunteer Rebecca Smith. View original language description.
Yao Félix est un planteur âgé de 50 ans qui vit en Côte d'Ivoire avec son épouse et ses 02 enfants. Yao Félix demande un prêt afin d'acheter un kit solaire composé de 4 lampes LED, une batterie rechargeable avec un panneau solaire et une télévision dans le but d'éclairer sa maison, et profiter chaque soir de sa télévision avec son épouse et ses enfants. Avoir un kit solaire avec des lumières va aussi permettre à Yao Félix de rester plus longtemps dans sa cour quand la lumière du jour disparaît.
By supporting this loan, you're increasing access to clean energy products in Cote d'Ivoire. This loan allows customers to purchase affordable and durable solar home systems to bring light and access to information through television. Households will be able to reduce their carbon footprints, lower their energy costs, increase children's study time and build a credit history.
Izili Côte d'Ivoire is a social enterprise that sells innovative energy, clean water and technology products priced and marketed to meet the needs of under-served people in Côte d'Ivoire.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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