Kiva+Project

=__My two candidates:__ Delia Andrea, and Milia Tantaine=

**Delia Andrea: ** KIVA – Loan Justification Your Name: NFriedmann

Potential Recipient URL: http://www.kiva.org/lend/351054 Name: Delia Andrea Country: Ecuador Type of Loan: Small Buisness

Criteria 1. Risk

Borrower (Credit history/Personal character):

Field Partner (Risk Rating, Delinquency Rate, Default Rate): Field Partner: FODEMI, partner of World Vision Risk Rating: 3 and a half stars Delinquency Rate: 0.00% Default Rate: 0.00% Country Risk (Economic, Political, Natural Disaster) Country Risk: a developing country: not so much risk. Economic: pretty stable Political: Good Natural Disasters: None recently

2. Business Plan - [|__Small Business Start Ups__]

 Potential for success: Very good

Potential for sustainability: Excellent

Potential for regional economic benefit: Good

3. Borrower

Perceived level of need: Great, because she has four children, and not enough money, and she also wants to send her kids to school.

Financial responsibilities/commitments of individual: Providing for a family of five by herself: paying for everything (bills food, food for her stand), trying to take care of her children and keeping up her stand.

4. Summary Delia is 33, and has a food stand and four children. Her dream is to send them to school, but can’t afford the money, so she wants to upgrade her stand, so she can pay for them to go. She will use the money to increase her stand by buying a new stove (she is currently borrowing, and has to give it up soon), more foodstuff and her own locale. Delia also needs the money to support her children because they barely have enough to live on already.