KIVA

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KIVA – Loan Justification

Potential Recipient URL: [] Name: Nemat Rzayev Country: Azerbaijan Type of Loan: Agricultural

Criteria

1. Risk

Borrower (Credit history/Personal character): He is an IDP from the town of Fuzuli. He has been working as a cattle breeder for the past three years

Field Partner (Risk Rating, Delinquency Rate, Default Rate): 4 star rating, 0 delinquency and default rates. 0 risk rate and 0 currency exchange losses.

Country Risk (Economic, Political, Natural Disaster): The risk rate is quite low for this country. It’s safe to lend.

2. Business Plan - [|Small Business Start Ups]

Potential for success: Medium-High

Potential for sustainability: Medium-High

Potential for regional economic benefit: Medium

3. Borrower

Perceived level of need: Medium-High

Financial responsibilities/commitments of individual: He plans to increase his stock of cattle and other animals

4. Summary: I think we should loan to Nemat because he should be able to pay us back and his field partner has a low risk rate. I think it will really help him and make a difference in his life.



KIVA – Loan Justification

Potential Recipient URL: [] Name: Ismael Country: Peru Type of Loan: Agricultural

Criteria

1. Risk

Borrower (Credit history/Personal character): He is a hardworking individual who has had one loan before and is committed to paying back his debts on time

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Microfinanzas Prizma has been working with KIVA for more than four years. They have made nearly seven million dollars of loans and they have a currency exchange loss rate of zero. They have however, an above average delinquency rate but a very low default rate far below the average. Their KIVA rating is 4 stars

Country Risk (Economic, Political, Natural Disaster): Peru is a safe country and the risk level of loaning money to this country is quite low.

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: Medium-Low

Financial responsibilities/commitments of individual: He plans to buy stock for his store. He has already prepared and he commits to pay back his loan on time.

4. Summary: I think we should loan to Ismael because he seems to be able to be self sufficient and he should be able to pay us back successfully and with good punctuality.