Kiva time again!! [Archive]

Rob

04-07-2015, 2:40pm

And this time I went with all Filipina women...

http://www.kiva.org/img/w632/1850703.jpg
Kiva - Rosalie from Philippines (http://www.kiva.org/lend/865035)

Rosalie is a married woman with four children. She is a very hard working entrepreneur. Rosalie is 31 years old and has two children who are in school.

Rosalie has a rice vending business in the Philippines and requested a PHP 7,000 loan amount through NWTF to buy sacks of rice to sell.

Rosalie has been in this business for five years. In the future, she would like to save enough money so she could afford to send her children to college.

http://www.kiva.org/img/w632/1847214.jpg
Kiva - Mira Joy from Philippines (http://www.kiva.org/lend/865021)

Mira Joy is 22 years old with two children. Mira Joy works very hard to provide for them.

Mira Joy runs a coconut wine vending business in the Philippines and requested a PHP 6,000 loan through NWTF to buy more coconut wine to sell.

Mira Joy has been in this business for four years now.

In the future, Mira Joy would like to save enough to provide a secure future for her family.

http://www.kiva.org/img/w632/1847095.jpg
Kiva - Cristina from Philippines (http://www.kiva.org/lend/862485)

Cristina is 42 years old and married with four children, three of whom are in school. She is a very hardworking entrepreneur. She has a food vending business in the Philippines.

Cristina has requested a PHP 26,000 loan amount through NWTF in order to buy ingredients for her food production business. She has been in this business for eight years. In the future, Cristina would like to save enough money so she can afford to send her children to college.

http://s3-2.kiva.org/img/h450/1848067.jpg
Kiva - Nancita from Philippines (http://www.kiva.org/lend/863209)

Nancita is 45 years old, and married with four children.

Nancita works hard to provide for her family. She runs a general store in the Philippines and requested a PHP 11,000 loan through NWTF to buy more stocks of groceries to sell.

Nancita has borrowed and paid three loans from NWTF before this loan. She has been running the general store for two years and also earns an income from pig fattening.

Nancita aspires to repair and renovate her family home.

I would like to encourage everyone here to make a loan as well. There is some risk involved but in the 9 years I have been loaning money I have had one person default before paying their loan back completely resulting in a loss of $7.50.

https://www.kiva.org

$25 may not be much for you and I - but it can make a difference in the lives of someone out there looking to improve themselves through these loans.

Be that difference!!

:seasix:

AU Eagle

04-07-2015, 2:46pm

Some years back, I was given a $25 gift from you in a PIF thread, since then I have donated and have spread the word. No one has defaulted for me, the last couple have paid off early.

Rob

04-07-2015, 2:52pm

Some years back, I was given a $25 gift from you in a PIF thread, since then I have donated and have spread the word. No one has defaulted for me, the last couple have paid off early.

I remember that David :cert:

I find it fun to search each time when I have my bucket filled back up again. I also have kept my loans all personal and not joined a "group" even though I know it gives the money more power - I like to make the choices and take the risk myself.

It is fun to keep track of the people and I like how now you can go back and see how some of these people are doing after they have paid off their loans and what their businesses are like now.

island14

04-07-2015, 3:02pm

Mira Joy runs a coconut wine vending business in the Philippines

She's making Tuba, or if she is from Leyete she might be making Bahalina.

If she was in jail we might call it pruno, or maybe even apple jack...

But hey.. Illegal alcohol has been a great investment since the 20's.. :lol:

:cert:

Nemesis

04-07-2015, 3:11pm

How is the coconut wine?

boracayjohnny

04-07-2015, 3:18pm

She's making Tuba, or if she is from Leyete she might be making Bahalina.

If she was in jail we might call it pruno, or maybe even apple jack...

But hey.. Illegal alcohol has been a great investment since the 20's.. :lol:

:cert:

I often see the will to provide being very strong in the Philippines. Sure, there are good and bad everywhere but when there are very limited social and health programs, people find a way to make money. I'm sure if they came to the US and saw all these handouts, the people would laugh and say even the handouts can make one rich.

Nemesis

04-07-2015, 3:23pm

boracayjohnny

04-07-2015, 3:29pm

You're back in the US?

Yea.

Rob

04-07-2015, 3:31pm

How is the coconut wine?

If it is the stuff I had it is not bad....will get you drunk very fast though.

island14

04-07-2015, 3:35pm

How is the coconut wine?

Probably a matter of taste, for me it's a trash wine... and unless you catch the Tuba on just the right day when it is ready.. (not so bad that day) but a day after that it taste too much like vinegar for my taste. :yesnod:

The Bahalina made in Leyte is made a bit different and buried underground for a week while it ferments.

I like it much and it has a sweeter taste.... we can get it when the boats show up at our pier here in the village weekly when they are delivering Illegal Coco Lumber. :D

(about a dollar a gallon)

:cert:

island14

04-07-2015, 3:39pm

If it is the stuff I had it is not bad....will get you drunk very fast though.

Well yeah...

come to think about it you were also drinking Rhum and beer that day... so don't give all of the credit to the Tuba.. :Jeff '79:

But yes that stuffs will wreck you.. :yesnod:

:cert:

Nemesis

04-07-2015, 3:46pm

So it wouldn't survive the trip the the U.S. then, no?

island14

04-07-2015, 3:51pm

I often see the will to provide being very strong in the Philippines. Sure, there are good and bad everywhere but when there are very limited social and health programs, people find a way to make money. I'm sure if they came to the US and saw all these handouts, the people would laugh and say even the handouts can make one rich.

K.. here goes my drunken rant.. :D :datawiz:

The USA took the Philippines from Spain during the Spanish American wars.

They even had to fight the Filipinos for awhile after that...

That's why the Colt 1911 45 was invented as those Muslims down in Mindano would not drop from just a 38.

After Japan took over in WW2 and the US got it back from Japan in 45.. they gave it back to the people here.

They make it sound like a really great thing that they did.. but the truth is they did not see any real resources to be worth hanging on too at the time, and also realized what a cost it would be to support the poor folks.. so just gave it back to the people here..

But lets be honest, if there was oil or gold here the US would have prolly not gave it back.. :island14:

Rob

04-07-2015, 3:52pm

So it wouldn't survive the trip the the U.S. then, no?

TSA would probably arrest you for trying to smuggle toxic substance

Nemesis

04-07-2015, 3:54pm

TSA would probably arrest you for trying to smuggle toxic substance

:Jeff '79: I didn't plan on bringing it back myself!

Nemesis

04-07-2015, 3:56pm

Another question; I noticed a lot of folks on that site are only asking for a couple hundred dollars. That wouldn't go very far here. Does that little bit of money go a long way there?

island14

04-07-2015, 3:59pm

So it wouldn't survive the trip the the U.S. then, no?

Not to be tasty Drew..

If it was refrigerated it would keep longer.. and it would still be drinkable even after a few weeks of ship time, but it turns to vinegar..

It's illegal to ship to the US from here, but I do know a guy who knows a guy who has a cousin that knows a guy at the post office that might let a small sample slip though from this end if the US side does not catch it and lets it get to you. :D

:island14:

:datawiz:

:cert:

island14

04-07-2015, 4:03pm

TSA would probably arrest you for trying to smuggle toxic substance

But you will bring back a bottle next time to share with Drew right? :Jeff '79:

Nemesis

04-07-2015, 4:07pm

Not to be tasty Drew..

If it was refrigerated it would keep longer.. and it would still be drinkable even after a few weeks of ship time, but it turns to vinegar..

It's illegal to ship to the US from here, but I do know a guy who knows a guy who has a cousin that knows a guy at the post office that might let a small sample slip though from this end if the US side does not catch it and lets it get to you. :D

:island14:

:datawiz:

:cert:

:funniest::funniest:

Rob

04-07-2015, 4:11pm

Another question; I noticed a lot of folks on that site are only asking for a couple hundred dollars. That wouldn't go very far here. Does that little bit of money go a long way there?

I can only speak for the Philippines and my experiences there but money goes a lot further there than it does here.

Goods are expensive, but labor is cheap.
Nothing is trash - it can be reused and made into something else.
Quality is expensive - but functional is what is mostly needed.

Let me find you a vulcanizing video so you can see hot tires are patched.

Nemesis

04-07-2015, 4:12pm

But you will bring back a bottle next time to share with Drew right? :Jeff '79:

One day I'll visit the coconut wine vineyards for myself

Rob

04-07-2015, 4:13pm

http://www.youtube.com/watch?v=58U9bU0Qmno

island14

04-07-2015, 4:17pm

Another question; I noticed a lot of folks on that site are only asking for a couple hundred dollars. That wouldn't go very far here. Does that little bit of money go a long way there?

That would be the salary for a month or maybe even two months income here for most, so a decent start up for a small enterprise..

As an example.. a maid here usually gets 1500 to 2000p a month income, including her food.

4300 is about $100

Our Yaya (nanny/maid) we gave 500p a week, but she did not have to do laundry which is usually included, we paid additional for someone else to do laundry at another 400 a week.

The last few laundry lady's quit, and our Yaya wanted to do it, so we now give her 800p a week, which is a pretty salary here, but she's worth it and she is almost like family now.

She also gets meals for herself and daughter, and another girl that stays here.

A Carpenter like LARs might make 500p a day if he is really good, but most only make about 300p a day.

island14

04-07-2015, 4:19pm

One day I'll visit the coconut wine vineyards for myself

C'mon!!!

I have told you a few times the door is open here..

:cert:

Nemesis

04-07-2015, 4:21pm

I'm not sure what I just watched, but it looks like a great place

Nemesis

04-07-2015, 4:23pm

That would be the salary for a month or maybe even two months income here for most, so a decent start up for a small enterprise..

Wow, money does go far!

C'mon!!!

I have told you a few times the door is open here..

:cert:

I looked into it a week ago. The trip is just a little above what I can afford to spend at this moment. I'm trying to move, restore the Mini, and I have a trip to CA in a month. I'll keep saving my pennies.

Rob

04-07-2015, 4:24pm

I'm not sure what I just watched, but it looks like a great place

Strangely - that is what popped up when I searched vulcanizing in the Philippines and happens to be the island where Tim lives.

BTW island14 - Do you know that Kano? Is he the environmentalist over there near Bill?

Nemesis

04-07-2015, 4:25pm

Rob

04-07-2015, 4:26pm

Nemesis

04-07-2015, 4:29pm

Rountrip airfare should be about $1100.

Maybe I was searching for the wrong airport or the wrong week. I had it at ~$2k from the NYC area airports.

Rob

04-07-2015, 4:32pm

Maybe I was searching for the wrong airport or the wrong week. I had it at ~$2k from the NYC area airports.

Search flying into CEB (Cebu) and I have been flying out of Chicago (ORD) and I have found that Asiana is the best as far as seats and service.

:seasix:

Nemesis

04-07-2015, 4:38pm

Search flying into CEB (Cebu) and I have been flying out of Chicago (ORD) and I have found that Asiana is the best as far as seats and service.

:seasix:

I'll do that tomorrow. I've got to go meet up with some folks in 10 minutes

island14

04-07-2015, 4:39pm

Strangely - that is what popped up when I searched vulcanizing in the Philippines and happens to be the island where Tim lives.

BTW island14 - Do you know that Kano? Is he the environmentalist over there near Bill?

I don't know him, and obvious he is a tourist..

I got a kick out of him telling how the motorcycle will be confiscated if the license tags are out of date.. and he swears he knows from experience.. :lol:

Seriously.... if you know how to tip cops... :island14:

...that would never happen.. :Jeff '79:

The video is on the highway from Sta Fe to Bantayan, but looks like before Yolanda.

Rob

04-07-2015, 4:49pm

I don't know him, and obvious he is a tourist..

I got a kick out of him telling how the motorcycle will be confiscated if the license tags are out of date.. and he swears he knows from experience.. :lol:

Seriously.... if you know how to tip cops... :island14:

...that would never happen.. :Jeff '79:

The video is on the highway from Sta Fe to Bantayan, but looks like before Yolanda.

It is Bilidbid and he has a bunch of other videos. Looks like his house is on the beach

island14

04-08-2015, 4:36am

Hey Rob, I showed Tata the video as I did not know where it was, but knew it wasn't Balidbid as they do not have a concrete road like that there and not that wide either.

He recognized the place as Barangay Bunakan and it is over by Madridejos.

Went to his channel and he has quite a few videos, in one he is showing how to clean up a stained floor, and shows his face.

I have not seen him before but he is way on the other side of the island and I rarely go over there.

Looks like he is trying to set something up, maybe a small beach business. Sunset Beach

Neat spot it looks like... and they get to see the sunsets over there where we do not, and only see sunrises.

Have to go check it out sometime..

http://www.youtube.com/watch?v=l0k_pLiwewE

Bill

04-08-2015, 7:10am

How is the coconut wine?

It's probably a lot like drinking drain cleaner, unless you get the bubblegum flavored version, then it's like chewing gum while drinking drain cleaner.

Yuk.

island14

04-08-2015, 7:22am

It's probably a lot like drinking drain cleaner, unless you get the bubblegum flavored version, then it's like chewing gum while drinking drain cleaner.

Yuk.

it's really not bad if you catch it on the right day, but leave it on the shelf a few days without being in the fridge.. and it goes to vinegar.

But what the heck, just make a 50/50 mix with soy sauce and use it for a dip for your seafoods or meat.

boracayjohnny

04-08-2015, 9:06am

Wow, money does go far!

I looked into it a week ago. The trip is just a little above what I can afford to spend at this moment. I'm trying to move, restore the Mini, and I have a trip to CA in a month. I'll keep saving my pennies.

If you're a young and single guy, the trip to the P-I may become permanent. :lol:

No worries about that since many have gone before you. :lol::lol:

I'll even go further on living in the P-I. The big thing holding the wife and I from living there is the medical care. As we age, we know the medical care will become very important. To get good, prompt medical care, one just about needs to live in Manila. Manila is a big city with all the problems of any big city. The life in Manila is not the one we'd really enjoy, for example, as Bantayan where Tim lives. What's the solution? One we've not figured out yet.

Rob

04-08-2015, 10:00am

Nemesis

04-08-2015, 10:37am

If you're a young and single guy, the trip to the P-I may become permanent. :lol:

No worries about that since many have gone before you. :lol::lol:

I'll even go further on living in the P-I. The big thing holding the wife and I from living there is the medical care. As we age, we know the medical care will become very important. To get good, prompt medical care, one just about needs to live in Manila. Manila is a big city with all the problems of any big city. The life in Manila is not the one we'd really enjoy, for example, as Bantayan where Tim lives. What's the solution? One we've not figured out yet.

That's one fear. I'm not ready to give up racing yet, but I do love that beach life. :willy:

boracayjohnny

04-08-2015, 11:02am

It is just a matter of time before Apple has an app for that. :dixie:

Heh, while technology advancement is always :cool:, Apple controlling who lives and dies may not be. :lol:

boracayjohnny

04-08-2015, 11:03am

That's one fear. I'm not ready to give up racing yet, but I do love that beach life. :willy:

I had a built in solution...a four year assignment that had a definite end. :D

Nemesis

04-08-2015, 11:23am

I had a built in solution...a four year assignment that had a definite end. :D

A nice taste and then back to reality!

boracayjohnny

04-08-2015, 12:33pm

A nice taste and then back to reality!

But now, I've been going in and out of country since the mid 80s. :D:cert::seasix:

The lifestyle is definitely more laid back than the states. The people, in general, are warm and friendly. Also, the climate and just the beautiful country. The unspoiled beaches with stunning views, the mountainous area of Baguio...damn, I'm starting to sound like an ad. :D

Nemesis

04-08-2015, 1:40pm

But now, I've been going in and out of country since the mid 80s. :D:cert::seasix:

The lifestyle is definitely more laid back than the states. The people, in general, are warm and friendly. Also, the climate and just the beautiful country. The unspoiled beaches with stunning views, the mountainous area of Baguio...damn, I'm starting to sound like an ad. :D

Then you must know it as well as I know the northeast. It sounds like a really great place.

island14

04-09-2015, 3:52am

I'll even go further on living in the P-I. The big thing holding the wife and I from living there is the medical care. As we age, we know the medical care will become very important. To get good, prompt medical care, one just about needs to live in Manila. Manila is a big city with all the problems of any big city. The life in Manila is not the one we'd really enjoy, for example, as Bantayan where Tim lives. What's the solution? One we've not figured out yet.

That could be an issue..

There is a small Hospital on the island here but not equipped for a lot of life saving emergency's.

But there are some good hospitals down in Cebu City though if there is time to get you there.

At least 4 hours by ambulance if one was available, a boat was ready, and traffic permitted, but more likely about 5 hours or more depending on getting a boat ride over to the mainland.

It is just a risk that I accept as part of life.

There is not a lot of traffic here on the island, so very few accidents, and also not likely to get shot, but guess anything could happen.

My biggest fear is one of the kids could get hit by a motorcycle or car passing through the village while crossing the road.

island14

04-09-2015, 3:55am

boracayjohnny

04-09-2015, 11:45am

Rob

04-09-2015, 12:46pm

Back to the OP story, I went over to the KIVA website and looked around more, there are some interesting stories, and I am impressed that most all pay the loans back!

It's a good thing that you guys are doing Rob.. :yesnod:

:cert:

:iagree:

GGR, Good Guy Rob.

It's not about me....its about trying to get more people out there to help those who are trying to help themselves. Its a small price to pay - and like I said earlier - in 9 years I have lost $7.50.

The great thing is - the money stays yours, you get paid back. You loan $25 for 6 months and at the end you get your $25 back. You can choose to have them send it back to you or you can re-loan that money to someone else.

Some loans are 3 months, some are 12 months.....either way - your money remains yours. But there is some slight risk.

I just want to encourage people to lend a hand....

:cert:

Nemesis

04-09-2015, 1:17pm

What is the accountability on your end? What if the person is actually using the money to buy guns or something?
Or what about 'loaning' money without expecting it to be paid back?

Rob

04-09-2015, 2:10pm

What is the accountability on your end? What if the person is actually using the money to buy guns or something?
Or what about 'loaning' money without expecting it to be paid back?

If they are buying guns - so be it. I happen to own one myself and don't see an issue with guns.

However, I don't feel they are coming after me since the money passes through many hands before it gets from me to the borrower.

If you want - you can donate the funds to the website Kiva.org as the funds are paid back to you. I just like to get mine back and re-loan it each time. :seasix: