KIVA+-+The+Grace+Fund

KIVA – Loan Justification: Connor Harrison ==Potential Recipient URL: http://www.kiva.org/lend/349760 == ==Name: Haidar == Country: Lebanon Type of Loan: Education

Criteria 1. Risk

Borrower (Credit history/Personal character): Solid repay score: 4 out of 5

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Delinquency - 0.43%, Loans at risk rate - 0.7%

Country Risk (Economic, Political, Natural Disaster): Lebanon is a Democratic country, although it is in a harsh part of the world right now. I still think Haider’s means are great to help his community and children.

2. Business Plan - Small Business Start Ups

Potential for success: High

Potential for sustainability: Medium / High

Potential for regional economic benefit: High

3. Borrower

Perceived level of need: Haider is asking for for $2000 to continue teaching and expanding his primary school in Lebanon.

Financial responsibilities/commitments of individual: Haider could help and can make a great impact in this country’s future. Education is a fantastic way to teach the young population to help shape the world. He has kept his repayments relatively close to perfect, so I think he is a good place to loan money too to help him continue educating young peoples.

4. Summary

Haider is a great place to help improve the life in countries like Lebanon.

KIVA – Loan Justification: Connor Harrison ==Potential Recipient URL: http://www.kiva.org/lend/338521 == Name: Mario Fernandez Ruiz Diaz Country: Paraguay Type of Loan: Retail

Criteria 1. Risk

Borrower (Credit history/Personal character): Solid repay score: 4 ½ out of 5

Field Partner (Risk Rating, Delinquency Rate, Default Rate): All at 0.00%

Country Risk (Economic, Political, Natural Disaster): Paraguay is starting to form a stable economy, but it is in a tropical area, which means it is prone to natural disasters. Paraguay is run by a constitutional republic.

2. Business Plan - Small Business Start Ups

Potential for success: High

Potential for sustainability: High

Potential for regional economic benefit: Medium

3. Borrower

Perceived level of need: Mario is asking for for $950 to continue to improve his business of selling blankets and sheets.

Financial responsibilities/commitments of individual: Mario has been selling blankets and sheets for almost 12 years. This is a good sign that he can handle the money wisely and be able to pay the loaners back in a short period of time (Money loaned: $7,199,250).  4. Summary

I think that Mario is a reliable payer that will use the money to help his community by providing warm and comfortable sheets. He is safe and has payed back every loan he has borrowed in his 4 and a half year time on KIVA.