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Although Oshalla grew out of humble beginnings - fatherless, raised in a public housing project, surrounded by drugs and violence - she was fortunate to have the love and inspiration of her mother, who encouraged Oshalla to dream and instilled in her the desire to “lift as she climbed.”

She launched Pure Earth Beauty when she saw a need for non-toxic products for the hair and skin, which she coupled with her background in wellness education and yoga instruction. Pure Earth Beauty produces sustainable, 100% plant and earth compounds for coloring and conditioning the hair, scalp and body. The company combines beauty products with educational workshops and retreats specializing in wellness of the mind, body and emotions. Oshalla is committed to sustainability at every phase of her operations, from working with the farmers who grow Pure Earth Color, to the good health of the beauty professionals and customers who use her products. Oshalla believes in the beautification of the mind, the emotions and the body through holistic healing and, through her company, hopes to create a worldwide network that illuminates what all people have in common rather than what sets us apart. The Pure Earth Beauty motto is beauty from the inside out.

Oshalla needs a business loan to execute her marketing plan and develop sales channels with beauty and salon professionals. She put her life’s savings into her business and was turned down for a bank loan, since she is a start-up company. This loan from Working Solutions will allow Oshalla to invest in website development and social media campaigns to sell inventory, as well as upgrade marketing collateral to promote her workshops and retreats. This business will allow Oshalla to achieve her personal goals of financial security and improving the quality of her life with a reliable income from products she developed and fully believes in.

Additional Information

More information about this loan

This loan has been made in collaboration with CAMEO(California Association for Micro Enterprise Opportunity) in order to build microlending capacity in California. In this partnership, CAMEO serves to support California microlenders, such as Fresno CDFI, throughout its partnership with Kiva. CAMEO’s mission is to grow a healthy, vibrant, thriving environment for all entrepreneurs and start-up businesses by advancing the work of its statewide member network.

About Working Solutions

Working Solutions is a nonprofit organization committed to serving new and existing businesses in the San Francisco Bay Area by providing microloans, technical assistance, referrals for local resources, and educational workshops on access to capital.

Kiva is helping Working Solutions to bring domestic microfinance to the next level of development in the Bay Area. With Kiva lenders’ help, Working Solutions will be able to expand its lending program to a larger group of borrowers and begin accepting applicants that would have otherwise not been served due to funding constraints.

About United States

  • $54,800
    Average annual income
  • 12
    View loans »
    United States Loans Fundraising
  • $12,909,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,000 helped Oshalla to develop her website and pay for promoting her workshops and retreats.
100% repaid
Repayment Term
63 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 6, 2013
Currency Exchange Loss:
Sep 17, 2014