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We loan because...
Josie was and will remain A GIFT TO THE WORLD and continue to improve the lives of others through this group.
Josie had an impact on all who met her and we wanted to Honor our Beautiful Friend and Celebrate Her Life In Love and Gratitude.

About us
We are a group of women who were introduced to Creative Memories and started our own network marketing business helping others celebrate their lives through scrapbooking.
Josie helped us all in one way or another. Josie's enthusiasm and encouragement was infectious and lifelong friendships developed. Josie's Gift was a Recipe for Grateful Living and she wanted to pass on what she learnt so that we could each Spread our Wings and Soar. We now want to pay it forward and believe helping others through Kiva is a good fit for our group.

Location: Melbourne Australia      


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Team Activity

  • Antonia Del Carmen
    El Salvador
    Antonia Del Carmen received a loan from Cheryl to buy more materials to make artificial flowers to sell so that with the earnings her children can continue going to school.
  • Afi
    Afi received a loan from Cheryl to purchase 10 sacks of corn, 5 sacks of rice, and 2 sacks of beans.
  • Rosa Elizabeth
    El Salvador
    Rosa Elizabeth received a loan from Cheryl to buy corn, sugar, cinnamon, milk, rice, etc to make atol, rice milk, and other snacks to sell. She will also pay the rent for her store.
  • Marta Ysabel
    El Salvador
    Marta Ysabel received a loan from Cheryl to buy a dairy cow and animal feed for the cattle.
  • Kathleen
    United States
    Kathleen received a loan from Cheryl which helps provide support for people going through chemotherapy and provide jobs to older women living in rural Wyoming communities who don't have access to employment.
  • Amanda De Jesus
    Amanda De Jesus received a loan from Cheryl to buy industrial grills to continue her business.
  • Flor María
    Flor María received a loan from Cheryl to buy fabric and thread for the items she makes.
  • Judy
    Judy received a loan from Cheryl to buy cereals.

Impact   Updated Hourly

Team Members
Amount Loaned
Loans per member

Rankings In Memorials Category

#6 for New Users (This Month)