Gavrieli Foundation
Empowering Women entrepreneurs around the world
The Gavrieli Foundation is deeply committed to the empowerment of women in the U.S and around the globe as a means for social change. Through Kiva, we contribute funds to women entrepreneurs, who we believe are key in the broader fight against global poverty. Our contributions help create opportunity for these women, their families and their communities. Some of these admirable women and their businesses are featured in the profiles below.
AMOUNT CONTRIBUTED: $7,776,225
Antonia
Peru
Amount: $1425
Business: Home Products Sales
Use: To buy parts.
Antonia continues to work in her kitchen accessories business and sells things like burners and spare parts for stoves. She works from 8:00 am to 5:00 pm and gets ahead through this business. Her dream is to expand her business and is asking for this loan to buy spare parts and burners.

She is happy about the loan and is committed to making her payments on time.

Antonia continues to work in her kitchen accessories business and sells things like burners and spare parts for stoves. She works from 8:00 am to 5:00 pm and gets ahead through this business. Her dream is to Read more.

Gloria
United states
Amount: $9425
Business: Services
Use: To purchase buffers and vacuums.
Gloria says there aren’t many commercial janitorial businesses in her hometown of Fordoche, Louisiana, but among the few, her business, Pointe Coupee Janitorial, does a better job and works with the others in the event she cannot take care of a project.

With 32 years of experience, Gloria decided to re-enter the janitorial industry when her late husband became disabled and she needed flexible work hours in order to care for him.

The five-year-old business employs additional help when necessary, but Gloria prefers to work alone. She has the potential to expand her business, but chooses not to at the moment. “I want to make a living, I don’t want to make a killing,” she says. “I need this work to give me peace of mind.”

A returning client of Accion Texas Inc., Gloria plans to use her loan on buffers and commercial vacuums, as she can’t transport these materials between the six businesses she works with weekly.

“I do enjoy cleaning,” she says. “I want my clients to know that.”

Gloria says there aren’t many commercial janitorial businesses in her hometown of Fordoche, Louisiana, but among the few, her business, Pointe Coupee Janitorial, does a better job and works with the others in Read more.

Amount: $800
Business: Food Production/Sales
Use: Buy shea butter.
Kotognogontala is a group of women from Koutiala. The women know one another well and live in large traditional families with their husbands, children, and other relatives. On average, they are 23 years old and have at least 3 children.

This group of women sells various articles like fruits and vegetables, firewood, fabric, shea butter, etc. In order to grow their business, the members decided to join Soro Yiriwaso's loan program. This is their second group loan.

Fatoumata is a member of the Kotognogontala group. She is seated second from left to right. She sells shea butter. She would like to use her loan to buy a large quantity of shea butter in Koutiala. She will sell the shea butter at retail in her home and in the market to a diverse clientele.

While the other group members of Kotognogontala would like to earn an average monthly profit of 100,000 FCFA during this loan cycle, Mme Fatoumata would like to earn 105,000 FCFA.

In addition to reimbursing their loan, they will use some of their income for personal expenses and to grow their business.

They would like to strengthen their partnership with Soro Yiriwaso so that their supplies do not run out.

Kotognogontala is a group of women from Koutiala. The women know one another well and live in large traditional families with their husbands, children, and other relatives. On average, they are 23 years old and Read more.

Priscila
Colombia
Amount: $300
Business: Higher education costs
Use: To pay the fees for a semester.
For many years Priscila had wanted to study, as she wanted to have a better future, but unfortunately she did not have enough money or anyone to support her. One day she said that she was going to study that year and she did her calculations of everything she spent at home. After doing the additions and subtractions, she realised that the children needed more things for school and so she decided not to study that year as she put her children's studies first. As the days went by she met people who spoke to her about the classes and how there were payment facilities.

This year she saw her opportunity and decided to study a course. In the future she would like to work in hospitals, because 2 years ago she worked in filing next to the emergency department of a hospital. There she saw that in healthcare there is a need for people who have a good way with others, who are unassuming and prepared to give a helping hand, since these are the occasions when people need help from others. It is important to look deep inside ourselves and realise that they are ill people with needs and difficulties and they don't have enough money.

In order to achieve this Priscila needs to study and follow up on her contacts in the area of health so she can have better work prospects in hospitals and clinics. This will enable her to bring up her children and provide them with a university education, since it is very difficult to get a good job without a degree.

Priscila is grateful for the Kiva agreement under which she could be considered. She needs the support in order to achieve an important personal goal in life, as this has been her dream for several years. She wants to realise this dream by studying health administration so she can make progress in life with her children and parents.

For many years Priscila had wanted to study, as she wanted to have a better future, but unfortunately she did not have enough money or anyone to support her. One day she said that she was going to study that ye Read more.

Karanjung
Indonesia
Amount: $2400
Business: Pigs
Use: To buy three superior piglets and feed for the piglets.
One month before the settlement day, Ni Made, as the head of her group, informed the members of Karanjung Lestari 1 group to prepare their repayments. With 8 members, they made their repayment of 28,000,000 IDR. During the loan period, all the members can keep the pigs well. Nutritious feed and supervision by the vet make the pigs grow healthy and fat. They can be sold with a good price.

Ni Made sold her 4 pigs and earned a satisfactory profit. As planned, she used the profit to renovate her house. She saids thanks to all the Lenders for supporting her business and making her dream of making her house a pleasant place to stay come true.

Karanjung Lestari 1 group is applying for their fourth loan from MUK: Eight members of 8 and a total loan of 28,000,000 IDR (one memeber is new, replacing a member who left the group). The loan will be used to buy piglets, feed for the piglets and to repair cages.

Ni Made is using the loan to buy three superior piglets and feed. The price for superior pig breeds is currently very expensive, ranging from 400,000 - 500,000 IDR. These pigs will be maintained for 5 months for fattening. Ni Made expects that during the loan period the pigs will be able to develop properly without being attacked disease.

One month before the settlement day, Ni Made, as the head of her group, informed the members of Karanjung Lestari 1 group to prepare their repayments. With 8 members, they made their repayment of 28,000,000 IDR Read more.

Rosayde
Peru
Amount: $150
Business: Tourism
Use: To buy tourist tickets.
Rosayde lives in the beautiful city of Cuzco, located in southern Peru. She is an enterprising woman who gets her family ahead with hard work and dedication to her work. Her main economic activity is offering a tourism service. She sells tourism packages to different places in Cuzco, such as Valle Sagrado del los Incas, Machupicchu and Choquerirao. She has belonged to the "Cuzco" communal bank for several years and at this time she needs the loan to buy tourist tickets.

Rosayde is happy with the loan and committed to making her payments on time and very responsibly. She is grateful to the investors for the loan and would like for them to keep supporting the other projects.

Rosayde lives in the beautiful city of Cuzco, located in southern Peru. She is an enterprising woman who gets her family ahead with hard work and dedication to her work. Her main economic activity is offering a Read more.

Yolanda
United states
Amount: $10000
Business: Food
Use: To purchase more inventory, open new markets, and expand manufacturing.
Yolanda has been making her own, unique pesto sauce since 1993 and has been selling it from her small home business. She currently offers three different flavors that are made from her all natural, garden-fresh ingredients. Yolanda goes further in insuring a quality product by packaging it in light-weight PET jars that are easily recycled or reused, rather than bulky and breakable glass jars. For some time she has used her own kitchen to produce her sauce, however, recently she has been given the opportunity to use a commercial kitchen through a local business incubator.

Currently, Yolanda operates without any employees and still maintains a full-time job at EmblemHealth. In the near future, she hopes to grow her business to the point where she can bring on new employees and become self-reliant. The purpose of this loan will be to buy bulk inventory and move into a commercial kitchen. She would also like to use it to patent her sauces and participate in food craft shows and farmers markets.

Yolanda has been making her own, unique pesto sauce since 1993 and has been selling it from her small home business. She currently offers three different flavors that are made from her all natural, garden-fresh Read more.

Sabou
Mali
Amount: $850
Business: Food Production/Sales
Use: To buy condiments.
Group Sabou is composed of eight women; all married, they are on average 34 years old with eight children. They live in traditional extended families in the Torakabougou neighborhood of the city of Bougouni.

They met through neighbors, friends, and business relations. To increase their financial capacity and better do business, they joined micro-finance organization Soro Yiriwaso, with which it is their first loan. This group of women trades in condiments, as illustrated by the case of Marietou, the fourth woman standing in the picture, going from left to right. With her loan, she is planning on purchasing various quantities of condiments from wholesalers in Bougouni. She retails at the market and from home, taking cash from or extending credit to her mixed-gender clientele.

She is counting on an average monthly benefit of 21,000 XOF, which will be reinvested in the business and repayment of the loan.

Group Sabou is composed of eight women; all married, they are on average 34 years old with eight children. They live in traditional extended families in the Torakabougou neighborhood of the city of Bougouni. Read more.

Djekafo
Mali
Amount: $525
Business: Restaurant
Use: To buy ingredients.
Djekafo is a group of women from the Hamdallaye district of Koutiala. They all live in large, traditional families with their husbands, children and other family members. The women are, on average, twenty-eight years old, and have at least four children.

The members of the group sell various products, such as soap, firewood, fabric and food. The group have now decided to work with the field partner, Soro Yiriwaso, in order to increase the size of their businesses.

Aichatou (sitting with her child in the photo) works in her restaurant business. She will use her loan to buy beans, packets of spaghetti and other ingredients needed to prepare her food for sale. She buys these supplies in Koutiala, and then prepares them for sale in her restaurant, to a varied range of customers.

While the other members of the group expect to earn an average of 90,000 francs CFA a month, Aichatou expects to earn 105,000 francs CFA. She will use her earnings to repay her loan, provide for her personal expenses and increase her working capital.

Djekafo is a group of women from the Hamdallaye district of Koutiala. They all live in large, traditional families with their husbands, children and other family members. The women are, on average, twenty-eig Read more.

Benkady
Mali
Amount: $950
Business: Cosmetics Sales
Use: Buy cosmetic products.
The Benkady group of Koutiala brings together women who live in large traditional families with their husbands, children, and other relatives. On average, they are 35 years old and have three children.

This group of women sells various items like clothing, cosmetic products, fruits and vegetables, shea butter, plastics, etc. In order to increase the size of their business, the members decided to join Soro Yiriwaso's loan program. This is their second group loan.

Maimouna, the woman all the way on the left, sells cosmetic products. She would like to use her loan to buy different types of ointments, lotions, milks, and soaps in Koutiala. She sells her products for cash, out of her home in at the market, to a diverse clientele.

While the other members of the Benkady group would like to earn an average monthly profit of 110,000 FCFA during this loan cycle, Mme Maimouna would like to earn 125,000 FCFA.

In addition to reimbursing their loan, they use a part of the revenue to pay for personal expenses and to grow their business.

They would like to reinforce their partnership with Soro Yiriwaso so that their supplies do not run out.

The Benkady group of Koutiala brings together women who live in large traditional families with their husbands, children, and other relatives. On average, they are 35 years old and have three children. This Read more.

Melida
Peru
Amount: $550
Business: Primary/secondary school costs
Use: To pay her children's tuition
Melida's an enterprising woman who gets her family ahead with her effort and dedication to her job. She teaches in one of the most popular schools in the city of Cusco.

Melida has belonged to Cusco Communal Bank for several years. She needs the current loan to pay her children's tuition.

Melida's happy about the loan and promises to make her payments punctually and responsibly. She's grateful to the lenders for the loan and hopes they'll continue to support the other projects.

Melida's an enterprising woman who gets her family ahead with her effort and dedication to her job. She teaches in one of the most popular schools in the city of Cusco. Melida has belonged to Cusco Communal B Read more.

Karanjung
Indonesia
Amount: $2400
Business: Pigs
Use: To purchase super quality feeds.
The Karanjung Lestari 2 Group pays off their loans on time. They have a meeting at the head of the group's house and make their payment one by one. In the meeting, they discuss the progress about their pigs. Most of them can maintain the pigs well and earn a satisfactory profit. The profit can fulfill their needs and saving. Now they decided to borrow a new loan to continue and improve their business. They said thank you to lenders, Kiva and MUK for supporting the business, especially in their pig business. They hope they can improve their life with this business.

After success with their last loan, the Karanjung Lestari 2 Group received their new loan. Now, most of the members already have sows. They need a new loan to purchase feed, superior piglets, and renovate the cage.

To make the piglets grow fast, healthy, and fat, Ni Made used her loans to purchase super quality feeds. Now she has one sow and three local piglets. She hopes after 5 months, she can sell the piglets and the sow can give birth. Her husband supports her business because it can help their family's income.

The Karanjung Lestari 2 Group pays off their loans on time. They have a meeting at the head of the group's house and make their payment one by one. In the meeting, they discuss the progress about their pigs. Mo Read more.

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