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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

  • Esther
    Esther received a loan from Cheryl to buy more fabrics, trousers, and shirts to add to her clothing shop.
  • Lavinia
    Lavinia received a loan from Cheryl to buy mulberry for her tapa-making business.

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