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Trustee: Kalima Abdul-Quddus
What is your profession?
Why are you interested in becoming a Trustee?
I am the Owner of a Small Business and Entertainment Consultation and feel as though being a trustee will allow me to provide more supports to the market I am currently serving.
Tell us about your profession or other relevant background.
DR. KALIMA FATIMA ABDUL-QUDDUS; a successful business consultant and nationally recognized spokesperson with 20+ years of proven experience in motivational leadership and strategic management; respected humanitarian who has authored, marketed and promoted 6 books on topics of self-preservation and the dynamics of world peace, social and personal change; national lecture leader with dynamic and natural talent for relating to and connecting with audiences on heavy hitting societal topics. She is the author of So' Feet: 'Sore Mind...Sore Heart...and Sore Soul'; a memoir about overcoming the obstacles of growing up in America as a second-generation African American Muslim, and finding the motivation to inspire and encourage others.
Borrower Due Diligence
How will you decide who to endorse as a borrower? What due diligence will you conduct?
As an entrepreneur I realize the importance of conducting due diligence on potential clients/colleagues. It’s the mark of my responsibility, and it screens out undesirables who could wind up doing with me. I only endorse businesses and individuals with good moral, and value ethics systems in place; creating opportunities for others.
Before beginning my due diligence, I will almost always tell the subject in advance that I intend to do due diligence; this way the parties do not feel as though I am doing something in secrecy. I personally believe that people deserve to know your practices right up front concerning business. In fact; most people understand. I make them aware that I am clear on the privacy act; applicable laws, including the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.
People are often the best and only sources of non-public information about a person; but can alternatively be some of the least reliable sources. Unlike photographs or the printed page, people misperceive, misremember, forget and sometimes just lie. I corroborate, check, and double-check any disputable statements. Documents don’t lie, but the people who write them sometimes do. That’s especially true of court documents. Moreover, documents rarely tell the whole story. Just because someone was sued doesn’t mean the allegations had merit; for example. First-hand observation is one of the most effective ways to gather information about a subject. I always keep in mind the Heisenberg Principle in that the act of observation can alter my subject’s behavior—simply because he knows he’s being watched.
In closing; I never believe anything without evidence. I take lots of notes, then look at the whole picture from an objective point of view. In the end, the most important thing to remember is to think for yourself and make up your own mind.
This is the type of organization that the Trustee is.
What are Trustee tiers?
Trustee tiers determine the number of endorsements a Trustee can make and what loan sizes they can endorse. All Trustees begin as a pilot and can advance in tier depending on their borrowers' repayment performance.
For for more information about Trustee tiers, visit: kivaushub.org/trustee-tiers
This is the location where the Trustee is based.
Trustee's time on Kiva
Time on Kiva shows the number of months a Trustee has been endorsing loans on Kiva for funding.
Kiva borrowers (direct loans)
This figure represents the total number of loans endorsed by this Trustee that have fundraised on Kiva.
Trustee's total loans
This figure includes the total amount of loans that this Trustee has endorsed. This excludes refunded loans.
Fundraising / raised
This figure represents the number of loans endorsed by this Trustee that are currently fundraising or fully funded.
Paying back on time
This figure represents the number of loans endorsed by this Trustee that are currently paying back on their repayment schedule.
Trustee's loans paying back late
This figure represents the number of loans endorsed by this Trustee that are currently paying back behind their repayment schedule.
Repaid in full
This figure represents the number of loans endorsed by this Trustee that have completed all repayments.
Trustee loans defaulted
This figure represents the number of loans endorsed by this Trustee that have ended in default.
Trustee repayment rate
This figure is the total amount of money currently collected by borrowers endorsed by this Trustee, divided by the total amount of money currently due from borrowers. This excludes payments made ahead of schedule.