KIVA

KIVA – Loan Justification Your Name: Eddy Wang

Potential Recipient URL: http://www.kiva.org/lend/348874 Name: Mohamed M. Kamara Country: Sierra Leone Type of Loan: Health | Pharmacy

Criteria

1. Risk

Borrower (Credit history/Personal character): His Repayment Term: 8 months His Repayment Schedule: Monthly Currency Exchange Loss: Possible Default Protection: Not Covered

Mohamed has successfully repaid and received one loan, and he needs another one to buy more stock for his drug store. Mohamed seems like a good guy, he opened up his pharmacy to support his family, which is a honorable thing to do.

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

Association for Rural Development (ARD) : 3.5/5 Stars. Delinquency Rate: 13.24%. Default Rate: 2.48%. Total Loans:$849,100 Interest & Fees are Charged: Yes Time on Kiva: 24 months Kiva Entrepreneurs: 973 Portfolio Yield:48.20% Profitability (Return on Assets):15.2% Loans at Risk Rate: 22.25%

Yes, the risk are pretty high, but the man is running a pharmacy, and I rather take a risk and give money to someone who saves lives then buy a new sports car for someone.

 Country Risk (Economic, Political, Natural Disaster)

Politically, Sierra Leone is recovering from a civil war. Economically, Sierra Leone’s economy is improving after the civil and they have a wonderful mining industry that provides them with a lot of yearly income (it’s one of the world’s top ten diamond provider).

From 1980 - 2010 here are the natural disaster statistics.

No of events:23 No of people killed:1,337 Average killed per year:43 No of people affected:234,659 Average affected per year:7,570 Ecomomic Damage (US$ X 1,000):0 Ecomomic Damage per year (US$ X 1,000):0 Average Income: 903$

As you can see, Sierra Leone is pretty good in the natural disaster category.

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

 Potential for success: High In West Africa, if you know anything about health, your business is going to be successful. Africa has a major health crisis, so opening a pharmacy pretty much means it’s going to be successful.

Potential for sustainability:High Again, with Sierra Leone’s health state, the chance of this pharmacy crashing is rare. This is a place for supplies to stop illnesses, as long as there’s disease in the world, the pharmacy business will not crash.

Potential for regional economic benefit: Very High Saving lives has a lot of economical benefits. With more workers, the economy is better. The workers get sick and they go to the pharmacy. After getting healed, they can continue to work and increase the health for the economy.

3. Borrower

Perceived level of need:

Medium: He doesn’t urgently need the money (its not a life or death situation), however, he works 7 days a week and 13 hours a day, earning Le 1,500,000 every month from his business. With the loan, he could increase his monthly profits by Le 300,000. As well, he’s working a pharmacy, which provides heath needs to everyone in his city.

Financial responsibilities/commitments of individual: Mohamed wants to expand with his business (international marketing is always good when your saving lives). As well, he will use his extra profit to buy a dwelling house, and a car for his business.

4. Summary All in all, you can see that, though the field partner may be unreliable, the fact that Mohamed is trying to improve on his pharmacy (I should add that nobody else at this point is asking for a loan in the health section), is more than enough to support the decision of loaning money to him. Mohamed isn’t just doing this for himself, he’s supporting his family and his nephew with his earnings AND supporting his city by providing it with better heath care. Take the risk of trusting the field partner to improve living conditions for Mohamed’s society! Mohamed is doing this for the greater good, and I think that loaning to him will heed great rewards.

KIVA – Loan Justification Your Name: Eddy Wang

Potential Recipient URL:http://www.kiva.org/lend/348588 Name: Nim Sou Country: Cambodia Type of Loan: Housing | Personal Housing Expenses

Criteria

1. Risk

Borrower (Credit history/Personal character): Currency Exchange Loss: N/A Default Protection: Not Covered Repayment Term: 20 months Repayment Schedule: Monthly

I will be honest here. Looking at Nim’s source of income (making 5$ a day), I doubt that she is able to pay back here loan anytime soon. However, looking at Nim’s page, I can tell that she’s TRYING to pay back her loan. That effort is enough to grant her the money. I mean we’re not donating a whole lot of money to her, so even if she can’t pay it back, we won’t lose much. She gets her money from feeding pigs. Her husband (along with herself) sells palm products (making 5$ a day) Nim spends (per month) $45 on food and $20 on transportation, which is barely anything if you compare it to the average American. She has a desire to feed her pigs with a more modern method to earn more income.

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

CREDIT, a partner of World Relief: 5/5 Stars. Delinquency Rate: 0.06% Default Rate: 0.03% <span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 11pt; text-decoration: none; vertical-align: baseline;">Total Loans: $6,259,725 Interest & Fees are Charged: Yes Time on Kiva: 65 months Kiva Entrepreneurs: 8114 Loans at Risk Rate:0.46% Portfolio Yield:28.00% Profitability (Return on Assets):1.5%

You can clearly see that this field partner is incredibly stable. I highly, highly, highly, doubt that anything bad is going to happen to the loaned money.

Country Risk (Economic, Political, Natural Disaster) Economically, Cambodia is doing okay. <span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 11pt; text-decoration: none; vertical-align: baseline;">Quote from Wikipedia. <span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 11pt; text-decoration: none; vertical-align: baseline;">In 2010, Cambodia’s per capita income (in PPP) is $2470 and $1040 in nominal per capita. Rural households rely on agriculture for income and one of the leading sources of the countries income is tourism.
 * <span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 10pt; text-decoration: none; vertical-align: baseline;">Based on the Economist, IMF: Annual average GDP growth for the period 2001–2010 was 7.7% making it one of the world's top ten countries with the highest annual average GDP growth ||

Politically, Cambodia has neither a great, nor bad government. It had a civil war a while back, but it’s rapidly growing economically, and is politically stable.

<span style="background-color: transparent; color: #4a68a6; font-family: Verdana; font-size: 9pt; text-decoration: none; vertical-align: baseline;">Natural Disasters from 1980 - 2010
<span style="background-color: transparent; color: #4a68a6; font-family: Verdana; font-size: 9pt; text-decoration: none; vertical-align: baseline;">( <span style="background-color: transparent; color: #000099; font-family: Verdana; font-size: 9pt; vertical-align: baseline;">[|__http://www.preventionweb.net/english/countries/statistics/?cid=29__] <span style="background-color: transparent; color: #4a68a6; font-family: Verdana; font-size: 9pt; text-decoration: none; vertical-align: baseline;">) <span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Overview
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">No of events: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">31 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">No of people killed: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,967 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Average killed per year: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">63 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">No of people affected: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">16,679,643 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Average affected per year: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">538,053 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Ecomomic Damage (US$ X 1,000): || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">536,110 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Ecomomic Damage per year (US$ X 1,000): || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">17,294 ||

<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Average Disaster Per Year
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">0.16 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Earthquake*: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">0.29 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Extreme temp: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">0.45 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Insect infestation: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. dry: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. wet: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Volcano: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Storm: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">0.10 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Wildfire: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||

<span style="background-color: transparent; color: #4a68a6; font-family: Verdana; font-size: 9pt; text-decoration: none; vertical-align: baseline;">Top 10 Natural Disasters Reported
<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Affected People
 * <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Disaster || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Date || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Affected ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1994 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">5,000,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2000 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">3,448,053 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2001 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,669,182 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2002 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,470,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1996 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,300,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1991 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">900,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2002 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">650,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2005 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">600,000 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1999 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">535,904 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1992 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">380,000 ||

<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Killed People
 * <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Disaster || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Date || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Killed ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1994 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">506 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1998 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">475 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2000 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">347 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2007 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">182 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1991 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">100 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1996 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">59 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2001 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">56 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1999 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">56 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1992 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">50 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2002 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">29 ||

<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Economic Damages
 * <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Disaster || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Date || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Cost || <span style="background-color: #ffffff; color: #666666; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">(US$ X 1,000) ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2000 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">160,000 || [[image:https://lh5.googleusercontent.com/WGcoodcgjRPasBq3L4RlWqXnizIWJz2NC4QZlQLpOmIc5-c0EkVMkFHHN3Nu0IqEipcLzeYjlK3G6IJAT4TOIk7QtyrUiFGnEAiRjO3iDdkr9T0SAVk]]* ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1991 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">150,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1994 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">100,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2010 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">70,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2002 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">38,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2001 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">15,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1996 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,500 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2007 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,000 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1999 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">500 || * ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">2002 || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">100 || * ||

<span style="background-color: transparent; color: #4a68a6; font-family: Verdana; font-size: 9pt; text-decoration: none; vertical-align: baseline;">Statistics Per Event
<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Killed People
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Earthquake*: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">87.56 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Extreme temp: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">81.07 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Insect infestation: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. dry: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. wet: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Volcano: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Storm: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">14.67 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Wildfire: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||

<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Affected People
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">1,310,000.00 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Earthquake*: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">46,437.56 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Extreme temp: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">680,972.43 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Insect infestation: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. dry: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. wet: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Volcano: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Storm: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">59,363.67 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Wildfire: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||

<span style="background-color: transparent; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Economic Damages
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Drought: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">27,600.00 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Earthquake*: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Epidemic: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Extreme temp: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Flood: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">28,435.71 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Insect infestation: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. dry: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Mass mov. wet: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Volcano: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Storm: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">3.33 ||
 * <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">Wildfire: || <span style="background-color: #ffffff; color: #444444; font-family: Verdana; font-size: 8pt; text-decoration: none; vertical-align: baseline;">... ||

<span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 11pt; text-decoration: none; vertical-align: baseline;">So Cambodia isn’t amazing in the disaster category, but it isn’t terrible.

2. House Survivability- <span style="background-color: transparent; color: #000099; font-family: Arial; font-size: 11pt; vertical-align: baseline;">[|__Small Business Start Ups__]

<span style="background-color: transparent; color: #000000; font-family: Arial; font-size: 11pt; text-decoration: none; vertical-align: baseline;"> Potential for success: High.

Repairing wood in ones house will, 9/10 times, usually succeed. It’s not that difficult if your cautious and don’t waste the wood.

Potential for sustainability: Low Wood isn’t the strongest substance. Constant rain and droughts will wear down the wood fast. Too bad bricks are too expensive.

Potential for regional economic benefit: Mid With a better house, Nim can feed pigs better. Therefore, helping the economy by bringing heather pigs in the food system. I mean, it’s not going to be a drastic change, however, there will be no negative outcomes for it either.

3. Borrower

Perceived level of need: EXTREME!!!: She needs 1200$ to repair the wood in her house. First things first, she’s has a wood house, that means she really needs the money to improve her poor conditioned house. Second, just reading her description, you can tell how bad living conditions she’s living in. She’s 50, has no children, and is only making 5$ a month. 1200$ would seem like a blessing to her. Yes, it seems more like we’re donating to her, however, you can tell how determined Nim is to repay the money, and that, as previously stated, is enough to earn her a loan.

Financial responsibilities/commitments of individual: With the 1200$ she gets from the loan, she will repair the wood in her house. She also is financially responsible for feeding pigs and helping her husband to make sugar palms.

4. Summary As you can see, Nim really should get the $1,200. The rate it takes her to pay it back may be long (and she may not be able to pay it back), however, the way she’s been living her life makes her deserve the money. Again, it’s better to give money to someone who will try to repay it, than someone who will not repay it. That effort makes it worthwhile to invest a few bucks in her (who knows, maybe a good house will be the key aspect to make Nim’s pig feeding into a huge success). You can really feel that Nim needs the money to repair her poor house and that using KIVA, she can repay the money without the bank messing her over.