Kingdom Microloans

Pastor Bernard

• Sells filtered water from his home
• Has a filter in his home
• Puts the water in 20 liter (5 gallon) containers
• Delivers filtered water to people in his neighborhood
• Took out a loan for $125 and has paid it back and now has a re-loan for supplies

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Jonalyn

Jonalyn

• Home-made dessert business
• Sells from their enclosed porch
• A loan of $125 made it possible to buy gelatin, fish ball ingredients and sweets
• The loan has been repaid and another loan has been taken out for more food products

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Lourdes

Lourdes

• Sells Herbalife health products
• Fills orders from people in her neighborhood
• A loan of $125 enabled her to buy initial supplies of Herbalife
• The loan is in the process of being paid back

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Aungon family

Aungon family

• Food vending business from a street-side cart
• They sell fried fish balls and related products
• A loan of $125 enabled them to buy equipment for their business
• The loan has been repaid and another loan was taken out for more products.  The family depends on this business for all their income.

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Imelda

Imelda

• Sells jewelry, beauty products, clothing of all kinds
• Was doing sales before, out of her home.  She wanted to increase, so applied for loan of $125 and received it. She paid it all back, plus interest, and has now continued with more loans.
• Meets with the Loan Officer and the church’s micro loan support group on Mondays, or sometimes brings her loan payment to her pastor if she can’t make the meeting

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Henrea

Henrea

• Does massage therapy out of her home, and wants to improve her business
• Is a single mother with two children.  Her husband left her and is now in jail.
• Took a loan of $125 for a piece of equipment and for purchasing food supplements to sell. After paying back the loan, she has also succeeded with more loans.
• Meets with the Loan Officer on Mondays, with the church group

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Editha

Editha

• Vendor of clothing items, including headbands and jewelry
• Widow with married children (pictured here with granddaughter)
• She already had begun the business and was able to increase it with the $125 loan. After paying back the loan, she has also succeeded with more loans.
• She buys items from Quipao (3 hour travel time one way) for P15 ($0.35) each and sells them for P25 ($0.65).  Some jewelry items she buys for P50 ($1.25) and sells for P200 ($5.00)

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Riclin

Riclin

• Buys and sells ready to wear clothes
• She and her husband have seven children.
• She wanted to increase her business of selling clothing, so she applied for the loan of $125. After paying back the loan, she has also succeeded with more loans.
• Meets weekly with the clients from her church and the Loan Officer

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Merlita

Merilita

• Phone load retailer – Buys and sells minutes for cell phones
• Sells a load of minutes for P20, with a P2 profit
• Received a loan for $125 (P5,000).  After paying back the loan, she has also succeeded with more loans.
• Sells out of a store front from her home (pictured here), where her mother also sells products

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Jacquilyn

Jacquilyn

• Sells lunches and dinners out of the front of her home (rice, vegetables, and meat)
• She first received a loan of $125 to purchase more food items, and then paid it back with 10% interest.  Then she applied and received another loan for $175 to purchase a food dispenser (container with plexiglass covering).
• She meets weekly with the Loan Officer and others in her church who have received loans

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Minda

Minda

• Received a loan of $125 to buy clothing in the Sampol market (30 min travel).  After paying back the loan, she has also succeeded with more loans.
• Buys items for P20 ($0.50) and sells for P25 ($0.65)
• She walks around the neighborhood looking for people who want to buy clothes
• Has five children, and her husband does construction work

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Naomi

Naomi

• Dried fish vendor, buying large quantities of dried fish, packaging them in small plastic bags, and selling small bags of fish for P30 ($0.75), with a P5 ($0.15) profit per bag.  Walks around the neighborhood to sell the fish.
• After paying back the loan, she has also succeeded with more loans.
• Meets weekly on Mondays with her group of church clients and the Loan Officer

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Jun

Jun

• Received one loan of $250 to buy one sewing machine, and after paying it back, he received a second loan to buy another kind of sewing machine. He has also repaid the second loan.
• Supports his family including two children with his business.
• Works out of his home.

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Linda

Linda

• Received $75 to raise and sell chickens. Repaid the loan plus 10% interest.  She now continues to raise chickens.
• She received another loan to build a pen for pigs behind her home.  With a loan, she bought young pigs and raised them to sell.  Now she is again repeating the process.

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