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Funded Projects 2012
Proverbs 22:9 ESV
Whoever has a bountiful eye will be blessed, for he shares his bread with the poor.
“Baileys Health & Fitness are committed to supporting CARE International UK's on a regular basis, through loans and promoting the work of CARE International. We can appreciate how hard and frustrating it can be running a small business, and know how important it is to gain access to finances and support to get a business up and running.
The www.lendwithcare.org is very innovative in helping those in developing countries gain access to some of these resources, to help the local Entrepreneurs get started, and so we feel very passionate about giving these families the opportunity to make a better life for themselves."
To find out more about how YOU can also help to transform lives right now, visit www.lendwithcare.org
Starting another year, here are the Entrepreneurs we are helping or have helped:
Uditha Delmar is a 56 year old married woman. She has one grandchild who is 7 years old and attends primary school. She lives happily in the neighbourhood of P. Centro, town of Anaoan in Surigao Del Norte province with her loving husband Marciano, who is 62 years old.
Uditha and her husband help each other to run a small grocery store business that sells various consumable items including condiments, snacks and drinks. She operates a small food stall in an area beside the grocery store. She is experienced in cooking different kinds of dishes, which helps to boost her business.
These businesses have been their sources of daily income for the past 20 years. Uditha has been a member of the microfinance organisation, Surigao Economic Development Foundation for the past 18 years; she has received and repaid a number of short-term loans through them.
She is now seeking a new loan that she will use to expand her stock at the store and to purchase additional ingredients for her daily food preparation at the food stall. She will use her earnings for the studies of her grandchild but will save a small amount in her account in SEDFI. Uditha wishes to repay the loan over a period of six months
Kara Roble is 43 years old and married with four children who are aged 24, 23, 22 and 12.
Three of children have been able to finish their college education in Nursing, Hotel Management and Tourism courses while her youngest daughter is currently at high school. Her husband, Ramil, is 43 years old and her helping hand in their family business which is a grocery store located in an area beside their house in Poblacion, Daanbantayan, Cebu province.
For the past 10 years, their store has served as the main source of income and the proceeds used to provide their children with a good education. It has now grown into a large venture and presently offers different consumable items like detergent soaps, detergent powders, dishwashing liquids, canned goods, snacks, eggs and drinks. Most of their customers are people who live locally and want to buy all their commodities in a single store.
Their children sometimes assist them in the store, especially at the weekends when they have free time.
Kara has been an active member of the microfinance organisation First Consolidated Cooperative for almost a year. She has availed a new loan for the purpose of acquiring additional stock for her store in order to sell cheap and affordable items to her community. The income for the business will be used to support the upcoming college education of her youngest child. A part of it will be saved in her FCCT deposit account. She dreams of supplying all different kinds of merchandise to her town in the future.
Kara will repay the loan over a period of three months.
Mireya Jaramillo Torres is 25 years old and married with four young children, two of whom are already in school. She is from Catamayo in southern Ecuador.
Doña Mireya used to be an Avon lady. About three years ago she decided though to establish from her home a small shop selling general household groceries and vegetables. This is ideal as she can combine earning an income whilst being at home to look after her children. Her husband is employed in a aluminium and glass workshop.
Mireya applied for a loan in order to buy new stock. She intends to repay the loan over six months.
Adouni, 50, is a widow and mother to 3 children: 1 is at school, 1 is a tiler and 1 helps to run the business.
Adouni is very active in the wholesale trade of maize, which she sells in 50kg and 100kg sacks. She started running this business close to 30 years ago.
In addition to this, she makes and sells akassa – a stew made in Africa. In order to better serve her customers, Adouni is helped by her children on their days off, as well as 2 people who she pays. She sources her stocks from the markets at Mowodani and Ikpinlè.
She is a client who has always honoured her commitments to the microfinance organisation ACFB. This loan for 450,000 West African francs will enable her to expand her stocks. The ensuing benefit of this loan is that it will enable her to better support her household – that is to say to support her child’s education, which she must do on her own, and especially to save for the development of the business.
Leontine Adechian Odoumiran is 48 and has five children aged between 9 and 30.
Leontine manufactures and sells red palm oil from home. She employs five women to help her and pays them a daily wage depending upon the volume of orders. After harvesting the palm nuts, the nuts are separated from the stalks and then cooked in large drums. After cooking, the nuts are crushed and then pressed to produce a virgin oil. This is then heated once again to produce a much clearer oil that can be used for consumption - mainly for cooking.
Leontine delivers the oil to customers, usually wholesalers, who have placed orders.
Marie Nonvide is 38 and has four children aged between 14 and 20. She is divorced. The younger two children are at school while the elder two have found employment as apprentices.
Madame Marie earns a living from preparing and selling ground cassava commonly referred to as ‘gari’. She has had this business for around six years and works from home. To make gari, cassava tubers are peeled, washed and grated or crushed to produce a mash. The mash is placed in a porous bag and allowed to ferment for one or two days, while weights are placed on the bag to press the water out. It is then sieved (or sifted) and roasted by heating in a bowl. The resulting dry granular gari can be stored for long periods. It may be pounded or ground to make a fine flour.
Gari is a food staple in Benin, indeed in much of West Africa. Madame Marie buys the cassava in the village of Kpankou where she lives and usually sells in the Kétou market.
Dragana lives with her husband and daughter in their house in Pale. She works in a bakery and her husband works as a bus driver. Their daughter goes to school.
Their income was not sufficient to provide a good education for their daughter as well as a good life for them all.
For this reason Dragana decided to start her own business to improve their financial situation.
In her spare time she makes cakes for various celebrations. She has her circle of customers from which she constantly receives orders. This work brings her additional revenue and helps with the education of her daughter and to create better living conditions for their future. She needs this loan to buy a better kitchen range (a stove and other equipment) for making cakes.