Kiva.org+Project

** //What if he knows how to fish, but just can't afford a fishing net?// **
We are using Kiva.org to study economics, cultural diversity, and geography.


 * Create your own account and join our lending team:** []
 * Be sure to join our lending team before choosing your loan recipient. When you go to "checkout" to pay, make sure to choose Team Penguin in "Count Towards Team" dropdown box. Your transaction information will be available only to you and repayment will come to you, but the loan amount will be counted towards our team total.

View our Class Lender Page here: []

Kiva (www.kiva.org) is a non-profit that allows you to lend as little as $25 to a specific low-income entrepreneur across the globe. You choose who to lend to - whether a baker in Afghanistan, a goat herder in Uganda, a farmer in Peru, a restaurateur in Cambodia, or a tailor in Iraq - and as they repay their loan, you get your money back. It's a powerful and sustainable way to empower someone right now to lift themselves out of poverty.

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 * How Kiva Works:**

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 * About Microfinance:** @http://www.kiva.org/about/microfinance

One Hen: How One Small Loan Made a Big Difference (Microfinance For Kids) We read this book and used the accompanying web site to understand how our money would help: @http://www.onehen.org/

Our January 2016 Kiva Loan: Nkokodzi group from Malawi: []

Our September 2012 Kiva Loan: Blue Group from Tanzania

Eva is in her late 30's, single and has one child who is still in school. She has been selling clothes, rice and running a genge business (a stand that sells fruits and vegetables) for six years now. She works from 9 a.m. to 9 p.m. daily, and she is able to make a good monthly profit.

This will be her second loan from Tujijenge Tanzania. She used the previous loan to increase the stock of her genge business and cover household expenses; she paid back her previous loan successfully. She wants a second loan to buy more sacks of charcoal for her genge business. Her dream is to one day be able to build her own house.

She will share this loan with her loan group, Blue, which totals 16 members whom will hold each other accountable for paying back the loan. Our October, 2011 Kiva Loan: Walidaan Group in Senegal

This group was created about five years ago. It consists of 14 women from the same village whose trade is the retail sale of millet, peanuts, vegetables, etc.Khady is the group leader. She is dressed in pink at the center of the photo. Khady is 38 years old and married with four children. She sells peanut oil and dried fish. She has a lot of experience in this activity, having done this all her life.

She will use her loan to buy peanuts, as well as dried fish for resale. With the profits earned, she plans to help her husband with the family expenses and add to their savings in order to achieve financial independence.

Our March, 2011 Kiva Loan: Merlinda from the Philippines LEARN ABOUT THE PHILIPPINES Merlinda Dagamac is from the village of Migcanaway in Tangub City. She is 34 years old and married with two school-aged children. To make a living, she raises fish for sale. She has been engaged in her business for over ten years and earns approximately $71 a month for this activity.

In 2008, Merlinda joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. She has successfully repaid a previous loan of 15,000 PHP from GDMPC.

Merlinda is requesting a new loan of 20,000 PHP which will be used to invest in expanding the business. This will be her 7th loan from GDMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.

Our February, 2011 Kiva Loan: December 8 Group in Paraguay Doralicia Benitez, a resident of the community of San Roque de CDE, contacted her friends and neighbors to come together as a group. This group is named December 8 and they are on their ninth loan cycle. There are 17 members and they are a group of very unified and responsible individuals. Each of the members has a business of their own and their own source of income. One of the members is Rosa and she sells clothing from a stand she has in her house. In her store she has a variety of clothing for ladies, gentlemen and children at very accessible prices. The merchandise she sells is from Brazil where the prices she gets are very reasonable. She requests a loan to purchase merchandise for her store such as jackets, shirts, shorts, and spring/summer dresses for every occasion.

[|FRONTLINE story and video] [|Co-Founder of Kiva TED Talk]

About Kiva [] How Kiva Works []

Kiva in the Classroom []

[|Article about microlending from the Wall Street Journal]

// Give a man a fish, feed him for a day. Teach a man to fish, feed him for a lifetime. // // What if he knows how to fish, but just can’t afford a fishing net? //