KIVA


 * KIVA – Loan Justification Your Name: Chase Crawford**


 * Potential Recipient URL: http://www.kiva.org/lend/347895**
 * Name: Carlos Mahalamba**
 * Country: Mozambique**
 * Type of Loan: Food | Grocery Store**


 * Criteria**


 * 1. Risk**


 * Borrower (Credit history/Personal character):**

• Education up to Grade 7 • Supports a wife, three kids, and his parents • He has been a business man for 13 years


 * Field Partner (Risk Rating, Delinquency Rate, Default Rate):**

• 0% Delinquency Rate • 0% Default Rate • 0% Loans at Risk Rate • 0.45% Currency Exchange Loss Rate


 * Country Risk (Economic, Political, Natural Disaster)**

• Could have drought • 2 Cyclones Recorded, 2000 and 2008. • 3 Floods Recorded, 2000, 2007, 2010-2011


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


 * Potential for success:**

I believe he has great potential for success. Mozambique has a tropical climate, which means the weather can be iffy, Not many people will want to work out in the garden during a monsoon, so I believe that a Grocery Store would be a great thing to invest into.


 * Potential for sustainability:**

A grocery store in Mozambique could sustain itself quite well, unless something like a flood were to happen. Going to the store and buying some food would be much better then going out in the hot sun to go harvest your own.


 * Potential for regional economic benefit:**

A produce trade in a country like Africa would be important because they don’t have very much. If there is a good system of government where the money can trickle back to the people, then I believe a Grocery Store would benefic the region quite nicely.


 * 3. Borrower**


 * Perceived level of need**:

I believe that Carlos needs this money very badly. He has such a small salary and such a large family that he needs all the help he can get. He is going to keep using KIVA until his grocery store really takes off.


 * Financial responsibilities/commitments of individual:**

It seems like Carlos is a strait-talker, he and that he means what he says when he says that he will pay it back. He claims he will keep coming back to KIVA, which infers that he will have to promise to himself to pay back all loans given to him.


 * 4. Summary**

I believe that Carlos, even though he is at 36% completion, is a great candidate for our loan. He has been a man of business for 13 years, so he obviously knows what he’s doing. He is well dressed in the picture of him, and a Grocery Store in Mozambique seems like a great thing to have. He will spend his money on things that will help his business, like extra land, food, and a car. Carlos seems like a hardworking, intelligent man who is very deserving of a loan.


 * KIVA – Loan Justification Your Name: Chase Crawford**


 * Potential Recipient URL: http://www.kiva.org/lend/344578**
 * Name: Makhsud Khankishiyev**
 * Country: Azerbaijan**
 * Type of Loan: Food | Butcher Shop**


 * Criteria**


 * 1. Risk**


 * Borrower (Credit history/Personal character):**

• He has been in the butchery field for 5 years


 * Field Partner (Risk Rating, Delinquency Rate, Default Rate):**

• 0.30% Delinquency Rate • 0% Default Rate • 0% Loans at Risk Rate • 0% Currency Exchange Loss Rate


 * Country Risk (Economic, Political, Natural Disaster)**

• Earthquakes; Years; 427, 735, 906, 1139, 1667, 1669, 1828, 1859, 1872. 1902, 1999, 2000.


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


 * Potential for success:**

The meat industry is a big one in Azerbaijani, as it is in very high demand. It is used in almost every meal. “Makhsud doesn’t want to miss this opportunity so he applied for 1000 AZN loan to purchase more meat and increase his sales.”


 * Potential for sustainability:**

Meat industries are scarce in Azerbaijani, and since it's cooked in almost every meal, the people need it. I think that they would visit the Butcher Shop often, pooling it more money to sustain itself.


 * Potential for regional economic benefit:**

A meat trade in Azerbaijan is said to be one of the most important shops of the city, because Fresh Meats are used in almost every meal. Meat, as a produce, is in high demand, especially in the colder seasons. I believe this shop would do quite nicely in Azerbaijan.


 * 3. Borrower**


 * Perceived level of need**:

I believe that Makhsud needs this money very badly. A Butcher Shop in this kind of country would benefit every well in the community.


 * Financial responsibilities/commitments of individual:**

It seems like Makhsud is a strait-talker, he and that he means what he says when he says that he will pay it back. He claims he will keep coming back to KIVA, which infers that he will have to promise to himself to pay back all loans given to him.


 * 4. Summary**

I believe that Carlos, even though he is at a low completion completion, is a great candidate for our loan. He has some great ideas started about what he's doing, and I'm sure the town is excited for him too. He is well dressed in the picture KIVA has of him, which makes me think he's really committed to what he's doing. He wants to spend his money on buying and producing more fresh meat, as not to miss this incredible opportunity.