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Cristina started her day care business 6 years ago after working at an electronics factory in Fremont for eighteen years. When she suddenly lost her job, she decided to take early-education classes to prepare her for opening a daycare.

Cristina started her daycare business in her living room with a few toys and two children. She now takes care of fourteen children and works hard to stay up-to-date on child care information by regularly attending training. She is thankful that despite the economy, parents are still able to keep their children in her daycare.

Cristina needs $10,000 to replace uneven cement in her outdoor play area to make it safer for the children in her care. She also wants to replace the fence in her backyard. A loan from Opportunity Fund will allow her to do this without placing a burden on her family’s personal finances.

Cristina has been unable to get a loan from a bank in the past and finds it a stressful process. This will be her second loan from Opportunity Fund, and she finds the support of micro-lending services almost too good to be true.

Additional Information

Important Information

Kiva realizes that access to credit is a challenge for entrepreneurs everywhere. Kiva started out as a website focused on developing-world entrepreneurs. In June 2009, Kiva began experimenting with allowing entrepreneurs in the United States to raise money on its website. If this is something you support, please feel free to fund this loan. If you have questions, including how an entrepreneur in your neighborhood might get a loan, please visit our Help Center and click on "Loans in the United States."

About United States

  • $54,800
    Average annual income
  • 0
    View loans »
    United States Loans Fundraising
  • $12,982,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $10,000 helped Cristina to replace the flooring and fence in the outdoor play area.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 9, 2009
Nov 20, 2009
Currency Exchange Loss:
Dec 19, 2012