KIVA


 * KIVA – Loan Justification**
 * Your Name:** Mya Robilliard


 * Potential Recipient URL:** http://www.kiva.org/lend/336665
 * Name:** Ahmad Ali Hussein
 * Country:** Iraq
 * Type of Loan:** Food/Grocery store

=__1. Risk__= Ahmad seems very stable. He has an excellent chance of his business to continue being successfully. __//Risk Rating://__ 3.5/5 stars __//Default rate://__ 0.00% __//Delinquency Rate://__ 0.07%
 * Borrower (Credit history/Personal character):**
 * Field Partner (Risk Rating, Delinquency Rate, Default Rate):**

//__Economic__//: There is a low economic risk associated with upgrading a grocery store. //__Political:__// There are no political risks other than the fact that there is no guarantee Iraq will allow the money to return to America without problem, but this risk is low. //__Natural Disaster:__// Chances of droughts or floods but a grocery store would not be hugely affected, besides a lack of some crops or animals affected by a drought. His pre-packaged foods would serve him through this. Earthquakes are rare but occur every 40 years or so.
 * Country Risk (Economic, Political, Natural Disaster):**

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

__//Potential for success://__ High. He has already established himself in is community and is well respected with a large amount of loyal customers. __//Potential for sustainability://__ High chance of sustainability. He already owns a store and is established with customers. This loan will help him expand his business. __//Potential for regional economic benefit://__ His store will provide food for other people and ingredients for other's to bake/cook things for their families or to sell. The loan will help him

=3. Borrower= //__Perceived level of need:__// Moderate to high. He has four children and a wife who does not work. //__Financial responsibilities/commitments of individual:__// He has four children and a wife.

=4. Summary= Ahmad has a high chance of paying back his loan and his situation (country risks and field partner risks) seem very low. He is established in his community as someone who sells quality food from a well managed grocery store. This extra money will provide him enough extra money to help provide a good life for himself, his wife, and his four children.

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 * KIVA – Loan Justification**
 * Your Name:** Mya Robilliard


 * Potential Recipient URL:** http://www.kiva.org/lend/349383
 * Name:** Abdel Karim
 * Country:** Lebanon
 * Type of Loan:** Construction

= __1. Risk__ = No previous history of taking out a loan but his buisness plan seems reliable, even more so since he is already established in his work.
 * Borrower (Credit history/Personal character):**

__//Risk Rating://__ 4/5 stars __//Default rate://__ 0.00% __//Delinquency Rate://__ 4.20%
 * Field Partner (Risk Rating, Delinquency Rate, Default Rate):**

//__Economic:__// Lebanon is a developing country but only 3% is below the poverty line (as of 2010 (estimate) Around 19.1% of the country's income comes from industry, so there is no a huge economic risks. //__Political:__// None that may interfere with his business or add to risk of money returns. //__Natural Disaster:__// His business would not be affected by natural disaster, however, he may get more business if a natural disaster were to strike because he would have a better chance of being hired to construction purposes.
 * Country Risk (Economic, Political, Natural Disaster):**

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

__//Potential for success://__ Excellent, as he already has an established business, he just wishes to expand to help earn extra money to support his family. __//Potential for sustainability://__ Moderate-Good because is has already proven his business is successful but wishes to earn more money to live a more comfortable life by buying more materials to work with and sell. __//Potential for regional economic benefit://__ Good, as metals are a valuable material and things made out of metal such as furniture (both household and business) as well as building materials constructed by him may be sold for profit. = 3. Borrower = //__Perceived level of need:__// High, although he receives a small amount of money from his pension from the Lebanon military, he has six children depending on him. //__Financial responsibilities/commitments of individual:__// He is a widow and has six children depending on him.

= 4. Summary = Abdel is a widow with six children to support and has a good business plan for the future in order to achieve this. He seems reliable and both the country and the field partner seem reliable as well. There is a good chance of Abdel being able to pay off his loan in time without financial trouble.