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Kiva Team Caedes

+philcUK
09/05/08 3:35 PM GMT
A while back a friend introduced me to a charity called Kiva that, basically, facilitates for individuals or groups to provide loans and financing to entrepreneurs and businessmen/women in the developing world to help build a life for themselves.

It isn't charity as such - you merely provide loans to these people that they then repay over a period of time - once the loan is repaid, you can choose to reclaim the money or lend it again to another person.

you can loan as much or as little (well, sort of, $25 is the minimum loan amount I think) as you like and - because its run by a charity - the tax man will love you for it, or at least be mildly fond of you.

I set up a lending team for any Caedes members interested in joining which can be accessed here

have a look see and join in if you want/can.
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do

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+philcUK
10/15/09 10:17 AM GMT
Thanks for the regular bumping duties Les - grand total upto $1850/50 loans now - hopefully pass the $2000 by Christmas!

or much sooner.

If others fancy lending a hand.

*cough*
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+philcUK
10/26/09 9:00 AM GMT
please check this image out to put smiles on faces :-)


0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+purmusic
10/27/09 4:06 PM GMT
/\ Nice work, Phil. :o)

(*nudges thread ... to the top*)
0∈ [?]
"An eye for an eye, and soon the whole world is blind." - Mahatma Gandhi
::marcaribe
11/04/09 2:06 PM GMT
My other lady has already paid back half of her loan so I reinvested with a lady from Peru who sells fresh milk, cheese, and bread in a market. Kiva truly does great work!
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+philcUK
11/12/09 4:51 AM GMT
many thanks to Bill & Chad - our two latest recruits :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
::marcaribe
11/15/09 3:38 PM GMT
Happy Early Christmas Phil! The $2000 dollar mark was just reached

0∈ [?]
Meet My New Avatar... Pfaltzgraff Royal Holiday Dinner Plate
+philcUK
11/16/09 4:13 AM GMT
thanks you very much Diane and a happy early Christmas to you too :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+philcUK
12/16/09 6:48 AM GMT
After today, I’m officially on my extended Christmas Holidays so probably won’t be online much till the New Year. Just checked in on the Kiva site and the brave little Caedes team has racked up to date, $2,225 in loans this year to 63 entrepreneurs’ around the world.

A big thanks to all the team members for their incredible generosity, an open invite for more of you to join the effort in 2010 and my best wishes to you all for the festive season :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+philcUK
02/18/10 11:37 AM GMT
a little bump along - we are now up to $2,575 over 77 loans and still going strong :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
::marcaribe
02/18/10 8:20 PM GMT
Yeah go team! I got so psyched up I immediately went out and made a new loan! Just kidding..... I had been planning to anyway you just got me moving.
0∈ [?]
Please Join The Caedes Kiva Team
+philcUK
02/26/10 6:04 AM GMT
checking out the various teams there, the nattily titled 'Atheists, Agnostics, Skeptics, Freethinkers, Secular Humanists and the Non-Religious Group' easily weigh in as the biggest hearted, having loaned over $1.6 million since they formed!
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+purmusic
03/15/10 3:54 AM GMT
~ le bump ~


Read that tidbit of information on that group some time back, Phil.

Unreal, kind of ... $1.6 million dollars.


Gotta luv their group's name though.

:oD
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"There is always something waiting at the end of the road ... if you're not willing to see what it is ... you probably shouldn't be out there in the first place."
+philcUK
03/19/10 8:34 AM GMT
one of the teams current loans still needs funding - you can help out with it here if you are able. Thanks.
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
::marcaribe
04/05/10 7:46 PM GMT
Martha Petrona Murillo Luna living in Leon, Nicaragua was loaned $250 and she has already paid back 37% and the Caedes Lending Team was the only team to support her efforts to help make a good life for her and her family luckily she has three other individual Kiva members supporting her hard work to pay off the loan.

Best wishes Martha!
And thanks to Phil ex pat UK now living in the beautiful Mauritius, I'd love to live there myself...many heartfelt thanks for all your effort and hard work supporting this wonderful cause!

Diane
0∈ [?]
Please Join The Caedes Kiva Team
+philcUK
05/17/10 4:44 AM GMT
Just scraped it to the $3000 mark before the mid point in the year so a little slower than last year but still doing well all things considered. thanks everyone!
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+philcUK
05/21/10 9:58 AM GMT
staggeringly, the previously mentioned and nattily titled Atheists, Agnostics, Skeptics, Freethinkers, Secular Humanists, and the Non-Religious Lending Team on Kivs has made history there by passing the milestone of $2,000,000 in loans to entrepreneurs.


The team have made over 65,303 loans totaling $2,007,500 and raised $1 million in loans in just 7 months. Well done to them and their incredible generosity.
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+philcUK
05/26/10 6:56 AM GMT
two of the teams current loans still needs funding - this one and this one. Any additional help would be greatly appreciated. Thanks.
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
.marcaribe
06/12/10 4:03 PM GMT
I made a loan to the person in Lebanon that you recommended Phil
You are the most hard working and generous member of the team and have made more loans then the rest of us combined. But I try to do my little part.

Diane
0∈ [?]
Please Join The Caedes Kiva Team
+philcUK
06/28/10 12:02 AM GMT
Thanks Diane - I will be off Caedes for some time now due to illness/surgery but will still keep up the Kiva work in the background :-) Have to at least match last years total!

I'll leave it up to you if I may to carry the torch here and try to prick a few more of the collective consciousness :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
+purmusic
06/28/10 4:11 PM GMT
Sorry to hear that you are facing some challenges, Phil. (Was wondering where you had gotten to.)

That said ... here's to a speedy recovery.

And most certainly ... best wishes on that front, as well. :o)
0∈ [?]
"There is always something waiting at the end of the road ... if you're not willing to see what it is ... you probably shouldn't be out there in the first place."
.marcaribe
06/29/10 3:10 PM GMT
Hey Phil ..leaving me to carry the torch I will run the Caedes Kiva Team into the ground in record time....just kidding! Don't worry about it I will do my part, you just take care and have a speedy recovery. I had my gall bladder out a few years ago and it wasn't that bad.

Best wishes my dear friend and hope to see you back soon!..

Diane
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Please Join The Caedes Kiva Team
.marcaribe
06/29/10 5:14 PM GMT
Hey! Just want to say we got one new member!

Get better soon Phil!
Diane
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Please Join The Caedes Kiva Team
.Nikoneer
07/06/10 9:14 PM GMT
Done and done.
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.marcaribe
07/24/10 9:03 AM GMT
The team is now ten members strong with $3550.00 in loans. How about if we try to shoot for a goal of $5000 by Christmas Time.
And no I did not resort to crying to get 2 people to join, but I did a lot of arm twisting. I'll be gone on holiday but I know the site will be in good hands
Diane

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Please Join The Caedes Kiva Team
.Nikoneer
07/24/10 4:50 PM GMT
Ow! Ow! Ow! (but it's a good pain:) The only way we're going to reach $5,000 is to get more members.
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
::Hukka55
07/27/10 11:25 AM GMT
Well, isn't this.. nice. =D
That carries a double meaning as 'Kiva' is also the finnish word for 'Nice'. =)

I will join next month, at the moment I am too low on budget because of my coming trip to Asia that I cannot even put as little as 25$.
0∈ [?]
"We, the Dreamers, are thus alike. For our dreams we will fight, and we'll write the future history less bloody than the past, with our dreams we'll build a peace to last!" -Hukka
.Nikoneer
07/27/10 4:21 PM GMT
We'll keep the light on for you. :D
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+philcUK
08/17/10 9:49 AM GMT
Hi folks – just a little note to let you know I’m (more or less) ok after my surgery and recovering well.

We are currently upto $3750 so need to get in another $750 before the end of the year to match last years efforts which would be a fantastic achievement considering the dire straits the world has found itself in this year.

Many thanks to our new recruits and a little nudge to the existing team crew to reinvest paid back loans that may be sat idle in your Kiva account ;-)

Cheers – Phil :-)
0∈ [?]
A smart bomb is only as clever as the idiot that tells it what to do
::marcaribe
08/19/10 5:21 PM GMT
Hi Phil,
Glad to hear your surgery went well and you are on the mend. I reinvested my paid back loans to
Rosas De Rosas Pampa Group in Bolivia To buy fruit to sell. The Caedes Kiva Team now has a nice round figure of $3800.

Best Wishes!
Diane
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Please Join The Caedes Kiva Team
.Nikoneer
09/23/10 6:50 PM GMT
And with another one from Phil and myself, the figure is up to $3,975. One more loan will put us at $4,000. I changed my signature (below) to a note and link about Kiva but it hasn't made a dent yet. No new members.
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
10/13/10 4:15 AM GMT
/\ Nice. :o)


(*shakes Pretty Pony Bank ...*)


Hmmmm ...


;o)
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.marcaribe
10/22/10 4:23 PM GMT
I just made a loan to Amartuvshin Tuvdenpurev a young man who lives in his own ger, a traditional Mongolian housing tent and runs a taxi service. The team total is now up to $4175.00 in loans A nice round number of $5000 would be a great ending to 2010.

Nik...It took me 1 year 10 months to recruit 3 members so don't get discouraged.

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Please Join The Caedes Kiva Team
=Samatar
10/22/10 10:24 PM GMT
Aren't they called yurts? Or is that something else...

I remember this because someone I know used to do felting and would joke that they were going to make one for themselves one day...
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-Everyone is entitled to my opinion-
.marcaribe
10/22/10 11:47 PM GMT
Hi Sam,

According to Wikipedia

A yurt (üi or kiz üi in Kazakh, ger in Mongolian) is a portable, felt-covered, wood lattice-framed dwelling structure traditionally used by nomads in the steppes of Central Asia. A yurt is more home-like than a tent in shape and build, with thicker walls. They are popular amongst nomads.
I knew what a yurt was but never heard of a ger until I made this loan...Join the Kiva Team and learn about the world.
0∈ [?]
Please Join The Caedes Kiva Team
+purmusic
11/08/10 1:54 PM GMT
~ lil' friendly bump ~


Courtesy of another friendly reminder from our own Nikoneer as to what is really important.

:o)
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.Nikoneer
11/14/10 6:16 PM GMT
Kiva is not an internet scam but truly a way to accomplish something for someone else as well as yourself. The old line that states by giving a man a fish you feed him for a day, but by teaching him to fish you feed him for life is quite true. Pragmatically, however, that only works if he has the tools to go fishing. In our world money is often the common denominator, and is what makes things happen, providing those tools to that fisherman. I lived and worked in a third-world country, years ago, and was able to see, first-hand, how the rate of monetary exchange can make such a huge difference. $25 for me, the price of a good meal, can translate into vastly more money and opportunity for someone else, helping them to make a better life for themselves. A boost that they generally wouldn't get from a bank, those institutions that are more comfortable lending money to people who don't actually need it. I've been a lender for about 6 months and the people I have lent money to are already paying it back, as per their individual repayment schedules, allowing me to turn that money around and lend it to someone else. So they are getting the help they need to make a better life for themselves and their families. I did say Kiva did something for me, too. Personal satisfaction. I've always wanted to find something I could do, as an individual, that made a difference for someone else. Sometimes people won't vote because they think "What good can my single vote do? What difference can I make?" or won't take a low-risk step for someone, saying, " What could I possibly do to make a difference; I'm just one person." Well, Kiva is the answer to those questions. Even if you make just one loan -- just one - you will make a difference.

I invite you to just take a look... no commitment... just a look:

http://www.kiva.org/about
5∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.mia04
12/19/10 8:44 PM GMT
Just giving this a little bump!
Nikoneer has put it so well, much better than I could with my limited English ;-)

So, if you want to give a person a fishing rod for christmas, or better put, lend him some money so that he can buy his own tools, now you know you can just klick here: http://www.kiva.org/
(And, if you look for some ideas for christmas presents - there are also gift certificates available...)
6∈ [?]
For every complex problem, there is a solution that is simple, plausible, and wrong. - H. L. Mencken
.Nikoneer
12/19/10 11:47 PM GMT
Absolutely. Giving someone a Kiva gift certificate allows them to experience the warmth of helping someone else and perhaps making Kiva a little corner of their life, as we team members have. It really does feel good to individually make a difference. Merry Christmas to my teammates and to you all.

-Nikoneer
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.Nikoneer
12/23/10 11:08 PM GMT
Merry Christmas to the Caedes membership from the Caedes Kiva Team. We have submitted an image for the holiday and your perusal:

http://www.caedes.net/Zephir.cgi?lib=Caedes::Infopage&image=Nikoneer-1293144113.jpg

And a Happy and prosperous New Year, too!

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
12/29/10 5:31 PM GMT
When I logged on to make an new Kiva Loan I got this Message

++++++++++++++
Wow! We don't know what to say

Every loan is currently funded, but don't worry -
we're adding new entrepreneurs every day.
++++++++++++++

I was amazed and happy to see so many people support this site.
Well since they don't need any help at this moment can I recommend
my second favorite charity. "Doctors Without Borders"
I have been with them a long time and they are super!
0∈ [?]
Please Join The Caedes Kiva Team
+purmusic
01/16/11 9:26 PM GMT
~ le bump ~


New Year is upon us, maybe some thought and consideration can be given to those things that are truly important.
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.marcaribe
02/11/11 5:20 PM GMT
I just made a loan to Rosa Alexandra Jetón Mogrovejo who is 27 years old, single, and lives at the home of her parents in Ecuador, SA
Her mother sells roasted pork and her father is a professional driver.Rosa helps with her mother’s business and works Sunday through Sunday from 7am to 8pm. and the money from this loan will be invested in pork to sell. Her goal is to grow the family business.

The $5000 mark is really close now thanks to all our generous members!
Diane


1∈ [?]
Please Join The Caedes Kiva Team
.Nikoneer
02/13/11 11:17 PM GMT
With a team of 10 (beginning in September, 2008) we just hit the $5,000 mark. Imagine what we could accomplish with more members. It's only $25 folks, and it's a loan. You get it back! We ten members are not "out" $5,000. It's cumulative -- we loan, and reloan the same money again and again getting (and giving) the most benefit out of it.
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
03/15/11 5:13 AM GMT
"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."


Jessica Jackley: "Poverty, money -- and love"
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+purmusic
03/17/11 6:09 PM GMT
/\ Very impassioned and moving talk.

Well worth the expenditure of time to give it a listen.


(*has faith redeemed that there are actual heroes, in and amongst us*)
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::cynlee
03/17/11 10:47 PM GMT
I gave it a listen. She seems most sincere and is a remarkably good speaker. This endeavor has been very successful and well intentioned.
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MANNING/CROWLEY Controversy: Truth tellers beware.
.Nikoneer
03/18/11 7:40 PM GMT
In case any of you wondered what Caedesians were on the Caedes Kiva team:

PhilUK from Mauritius (who started the team in Sept. 2008)
Mia04 from Austria
marcaribe from Tennessee
Bill from Texas
regmar from Louisiana
Rich from Wisconsin
Nikoneer from North Dakota
and three anonymous members

All august individuals (except me - I'm more of a februarian) who wouldn't mind an expansion of the ranks. It's a great cause and it feels good.
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
03/21/11 1:31 AM GMT
"The happiness of life is made up of minute fractions -- the little soon forgotten charities of a kiss or smile, a kind look, a heartfelt compliment, and the countless infinitesimal of pleasurable.. and genial feeling."

~ Samuel Taylor Coleridge


Wanna see some *genial smiles?


(*adj. - conducive to life, growth, or comfort.)
3∈ [?]
.marcaribe
03/21/11 12:40 AM GMT
Dear Caedes friends,
I just made a loan to Jorge Faustino Moreira Herrera he is 55 year old, married, and lives with his wife and children in Bolivia. Jorge likes working in agriculture and is requesting a loan to grow more corn, rice, and passion fruit, much of which he sells at local market. With the support of the loan, he will have the economic help needed for supplies. He faces challenges like pests and plant diseases and changes in the weather. Please join with me to help his dream of growing more food come true by joining the Caedes Kiva Team which allows you to make small loans to entrepreneurs on five continents, changing one life at a time and rising many out of poverty once and for all.
Thanks for listening!
Diane
0∈ [?]
Please Join The Caedes Kiva Team
.marcaribe
05/07/11 4:13 PM GMT
One of our members just made his 100th loan. All I can say is a heartfelt thank you and Congratulations on reaching this monumental milestone. Our small group of 11 members has given $5,600 so far...not too shabby eh!
1∈ [?]
Please Join The Caedes Kiva Team
.Nikoneer
06/20/11 11:39 PM GMT
Just to let you know, the Caedes Kiva team just hit the $6,000 mark, but I want to remind you that does not mean we have loaned 6,000 dollars, entirely out of our own reserves. Much of that is money that previous borrowers (entrepreneurs in third world countries--and even in the United States) have paid back to us and we've re-loaned, making our money do the right thing, over and over again. I invite you to consider joining the team... just $25 (that you can get back) can make a huge difference to an honest and hardworking (but unfortunately disenfranchised) person elsewhere in the world improve their lot in life. I'm not rich, by any means, but what little I can do as a team member feels great.
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
07/06/11 6:52 PM GMT
Three cheers for Nik! He just made his 38th loan to Kim Oquino from the Philippines
to purchase fertilizers and pay for labor.
Our grand total of loans make is now $6,025
0∈ [?]
Please Join The Caedes Kiva Team
.marcaribe
08/15/11 6:55 PM GMT
Phil and I just made a loan to Katsele Nyondo in Kenya to buy fish to sell, this is my 15th loan and I haven't lost a cent. Our team total is up to $6,300 loaned out but I am a small fry compared to Phil who just made his 117th loan. Kudos to him!
I hate to repeat myself but I wish more people would join...It's a net net win, I wouldn't give to anything I lost money on.
Peace and Love To All
Diane
0∈ [?]
Please Join The Caedes Kiva Team
.Nikoneer
08/16/11 5:11 PM GMT
Add another loan today. That's four from Phil, Diane, Mia, and myself in the last couple days (the Kiva Caedes team has made a total of 227 loans). And Diane's right--I haven't lost a cent either.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
::coram9
10/01/11 7:35 AM GMT
People might be interested in this info graphic relating to the Kiva Scheme.

http://flowingdata.com/2011/09/07/five-years-of-kiva-lending-and-borrowing/
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"There are no rules for good photographs, there are only good photographs." Ansel Adams - Gallery - Web Site - follow me on Twitter.
+purmusic
10/02/11 2:40 PM GMT
/\ Good good stuff.

Although, parts of me twisted brain.. thinks the graphic looks like something from a depiction of intercontinental thermonuclear warfare.

That silliness aside..


"It's been an impressive $240 million in loans around the world with a repayment rate of almost 99 percent."

Wonder how close our banks come to that repayment number?
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.Nikoneer
10/03/11 7:45 PM GMT
Consider this about the success of Kiva, as well:

---Right now there are 7 seconds between loans.

---The to-date repayment rate is 98.87%.

---$2,725,575 has been loaned this past week.

---4,343 new lenders have joined the ranks this past week.

---6,013 new loans have been made this past week.

---39,206 total lenders have made a loan this past week.

---There are Kiva lenders (like those of us on the Kiva Caedes team) in 216 countries.

---There are Kiva entrepreneurs (borrowers) in 60 countries.

and

---The first Kiva loans were made in April of 2005 and, to date, $247,489,725.00 has been lent to people in an effort to alleviate poverty by helping individuals help themselves. The old saw about giving a person fish you feed them for one day and teaching them to fish is feeding them for life, is almost completely true. What we're trying to do is make sure she (and he, 80% of the entrepreneurs are women) is able to afford a fishing pole to catch these hypothetical fish.

Now these are some impressive numbers. I invite any of you Caedesians to join the team and receive the satisfaction that we ten current members have.

-Nikoneer
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.Nikoneer
10/03/11 7:53 PM GMT
To give a somewhat dated answer to Les's question, a February, 2009 analysis of Small Business Administration-backed loans found that the failure rate in the U.S. hit the double digits, with 11.9% of the SBA's loans the previous year going into default. With the current economy headed for the porcelain God in the water closet, it's likely higher now than it was then.
2∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.mia04
10/05/11 7:18 AM GMT
Coram: thanks for the link, that's pretty cool...
0∈ [?]
For every complex problem, there is a solution that is simple, plausible, and wrong. - H. L. Mencken
.marcaribe
10/08/11 10:13 AM GMT
Nik, if your motivational message (I invite any of you Caedesians to join the team and receive the satisfaction that we ten current members have) to join Caedes Kiva doesn't work
How about inserting a hidden subliminal message so after someone reads it they feel an overwhelming urge to join Caedes Kiva Team...joking. Whew! I just noticed I am the 100th post here...wonder if I win some sort of prize.
0∈ [?]
Please Join The Caedes Kiva Team
.Nikoneer
10/08/11 4:52 PM GMT
Yeah! A free membership to the Caedes Kiva team! Oh...wait a minute... uh...
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
10/25/11 3:44 PM GMT
Happy Birthday Kiva!

Six years ago this October, Kiva was born and Kiva lenders from around the world are gathering in ten different cities over the next few weeks to help celebrate six years of Kiva. From Melbourne, to Montreal, to Minneapolis, Kiva enthusiasts are coming together to have a good time, meet each other face to face, and toast to all that Kiva has become.
Thanks again to everyone who has helped make such a big impact in the world through Kiva. It's been amazing to see what a passionate global community can do in just 6 years. Just imagine what the future holds!
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Please Join The Caedes Kiva Team
.marcaribe
12/15/11 5:49 PM GMT
Phil and Bill just made two very generous loans on Kiva...they are in the Holiday spirit
I recently made a loan to Natsagdorj who is 46 years old and lives with her husband and two kids in a ger, a Mongolian yurt in Ulaanbaatar city in Mongolia to help her buy more products to sell in her grocery store.
2∈ [?]
Please Join The Caedes Kiva Team
+purmusic
12/15/11 7:51 PM GMT
(*points above*)

'Tis the season for Caedesian angels to spread their wings.

:o)
1∈ [?]
+purmusic
12/22/11 11:55 AM GMT
There is one act of kindness that always puts me over the seasonal hump and into the Christmas spirit.. giving to those less fortunate than myself.


Total Amount Loaned for Kiva Lending Team: Caedes: $7,175


Merry Christmas.. Happy Holidays.. Season's Greetings ... to our team members and their families.

:o)
2∈ [?]
.Nikoneer
12/23/11 10:14 PM GMT
I had enough paid back to me by my entrepreneurs in December that I was able to make my regular monthly three loans and even a fourth, in honor of Christmas. I was able to help 4 people (2 in Columbia and 2 in the Philippines) and only a couple dollars of it came out of my pocket this time. It's easy and a great thing to do so come on folks, join the team!
2∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.Nikoneer
01/05/12 2:56 PM GMT
If you don't feel comfortable joining the Caedes Kiva team, for whatever reason, consider creating a different team for yourself. It is very easy to do. Since I've become a member of the team here I've started one in my office, and another as a memorial for the late husband of a friend (that's the reason for my 3 loans a month). I'm considering starting a fourth as a memorial for the 20-year-old daughter of another friend and a cousin of mine is planning to start one for her junior high daughter's class as a class project, something the kids can do as a group, all the way through their school years.
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
01/14/12 6:46 PM GMT
Excellent suggestion in your last message Nik. I know this is the slow time of year for giving but is when charities need it the most. So in a few days I am making a new loan on Kiva to help out during the lean months
1∈ [?]
Please Join The Caedes Kiva Team
.marcaribe
01/23/12 11:10 PM GMT
I just made a $25 loan to Nelson Mendoza in Coronel Oviedo, Paraguay. He is a printer and needs help to buy paint, canvas, cloth and other supplies. I didn't use my own funds, People I have loaned money to have paid me back so I just rolled $25 over into this new loan
2∈ [?]
Please Join The Caedes Kiva Team
.Nikoneer
03/19/12 9:06 PM GMT
The Caedes Kiva team is a $25 loan away from reaching an $8,000 total in loans. Not bad for a team this small--10 members. Imagine how much more support it could give with a few more members. I'm not a rich man by any measure, but I'm still able to make loans because my overseas entrepreneurs pay me back, regularly, and I add my daily pocket change. Since July of 2010 I've been able to make 54 loans without impressing financial stress on my family. If I can do it, anyone can (nudge, nudge; wink, wink).
2∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+mimi
03/24/12 1:36 AM GMT
I was asked by Phil aka philcUK to post this great news!

Congrats Kiva Team Caedes!


Great news for the Caedes Kiva lending team, almost 300 loans made and passing more then $8000 in loans to entrepreneurs around the developing world.
There’s never been a better time to join the team with more than 6,500 free $25 loans still available, offered to new members – funded by Reid Hoffman Kiva board member and founder of LinkedIn.
So please take the time to join up the Caedes team and help people from all around the world – thanks to Reid, it costs you literally nothing. You can take up one of the free loans by following this invitee link: Link to Invite

Thanks.



4∈ [?]
~mimi~
=Samatar
03/24/12 6:22 AM GMT
Link gave me a "Page not found" error Mimi.
0∈ [?]
-Everyone is entitled to my opinion-
+mimi
03/24/12 6:42 AM GMT
Fixed! Thanks Sam~
3∈ [?]
~mimi~
=Samatar
03/25/12 1:29 AM GMT
Thanks! Loan made. I have been meaning to do something about this for a while and with $25 loans without even having to provide banking/cc details it certainly makes it easy.
4∈ [?]
-Everyone is entitled to my opinion-
.Nikoneer
03/26/12 2:42 PM GMT
It's good to see that you entered the ranks of Kiva participants, Sam, albeit not as a member of the Caedes team. I myself have started 2 other teams, one a memorial for the husband of a friend and another in my office, so when I prepare to make a loan I make three, one through each of my teams. It's more important that we participate than under whose auspices we do it.

-Nik
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
=Samatar
03/26/12 9:17 PM GMT
Whoops! Joined now :-)
3∈ [?]
-Everyone is entitled to my opinion-
.Nikoneer
03/26/12 9:44 PM GMT
Ah, yes, I see you now as the eleventh member. Welcome aboard. Your canvas shirt with the seven-foot sleeves and buckles for cuff-links is located in the last cabinet on the starboard side. Just messin' wit choo. 8P Kiva is a beneficial endeavor, for lenders as well as the entrepreneurs, and I'm sure you'll never regret your decision to participate. I'll be in the backyard -- beer's on me!

-Nik
5∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
LOL2112
03/28/12 5:14 AM GMT
Yep great cause
1∈ [?]
.marcaribe
04/25/12 2:53 AM GMT
Hi Sam, I am so glad you finally joined our Caedes Kiva Team. I just made my 18th loan to a lady in Mongolia for a truck...this is my second loan to that region.

I have always been fascinated with that part of the world and watch every TV show I can about it. Believe me you won't be sorry you joined, I am really conservative with my money and this has been the best charity I have ever belonged to and never lost a penny. The big plus for me is that I really want people to succeed in their dreams and the world to be a better place
2∈ [?]
Please Join The Caedes Kiva Team
.marcaribe
06/13/12 1:17 AM GMT
I am on to make another Kiva loan...I have made 18 $25 loans so far and they all have been paid back...I have only put $75 of my own money into it when they pay it back I just roll the money into another hardworking person who just needs a little helping hand
0∈ [?]
Please Join The Caedes Kiva Team
::Nikoneer
06/13/12 2:48 AM GMT
I allow my daily pocket change to build up so I don't even miss it when I use it for loans. Nickels and dimes for us means the world for them.
5∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
06/13/12 11:33 AM GMT
We have a new member our 12th...Welcome to our kiva family Caitlyn so happy you joined this worthy cause!
1∈ [?]
Please Join The Caedes Kiva Team
::Nikoneer
06/15/12 8:05 PM GMT
I am a member of the Caedes Kiva team as well as a team in my office and a third that's a memorial for the late husband of a friend, so I make a loan to each of the three about once every 24 days, most often re-loaning what my entrepreneurs pay back to me. Today though, in honor of the approach of Father's Day, I made all three loans through the Caedes team, to men in Bolivia, Chile, and the Philippines. I know that all three are fathers because that's the sort of information you have available to you when you make a Kiva loan... you know who you're loaning to; it's not just an unknown entity and an unknown cause. Richard in Bolivia makes and sells tostados at a public stall, Luis in Chile sells fruits and vegetables, and Richard in the Philippines is a farmer. All three struggle to provide for their families under an economic ceiling. My loans simply help them push back that ceiling when, too often, their local banks won't. And I don't worry about them not paying back the $25 I've lent each one. Here in the U.S. the average small business loan realizes only a repayment rate of 74%. The entrepreneurs who receive loans through lenders like our Caedes team have a current repayment rate (I'm looking at the Kiva site data right now) of 98.96%. These are honest, hard-working people who just need a little help. And if you're an American like me and thinking "why should I help someone overseas when there's plenty of need right here at home?", there are loans to be made at Kiva to people in the U.S. as well. Just remember that the cost of living in the U.S. is higher and so are the loan amounts--a dollar goes a lot further in most other countries. At the beginning of this thread Phil mentions that a friend introduced him to a charity... except it's not a charity... it's loans that you can get back. By making a Kiva loan you are helping someone help themselves, then, when they return it to you, you can retrieve it for yourself or use it again to help someone else, again and again. A pretty good deal, I think.

Happy Father's Day in advance to all you pops out there.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
06/20/12 12:18 AM GMT
Nik?

Meet Paragraph Breaks.

Paragraph Breaks.. Nik.

:oP


"I have made 18 $25 loans so far and they all have been paid back...I have only put $75 of my own money into it when they pay it back I just roll the money into another hardworking person who just needs a little helping hand."

- Diane; aka marcaribe

"By making a Kiva loan you are helping someone help themselves, then, when they return it to you, you can retrieve it for yourself or use it again to help someone else, again and again."

- Nik (to us.. although rumour has it, Bri will do fine as well); aka Nikoneer


"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."

Jessica Jackley: "Poverty, money -- and love"
2∈ [?]
::Nikoneer
06/20/12 2:57 PM GMT
Paragraph Breaks? How do you spell that? I thot we was jist talkin'? 8P

That first quote must have been from a while ago. I'm up to 63 now, and as I've said before, I'm not a rich guy. Half of these loans came from pocket change over nearly 2 years (became a lender in early July 2010), and the rest are simply me re-lending the loans that have been paid back. (However, I'm still just a piker when compared to some of these lender types... there's one guy who makes about $200 in loans every day! "Paying it back" I'm guessing.)

-Nik
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
06/20/12 10:11 PM GMT
(*points two back..*)

A couple of edits to clarify the sources of the quotes, Nik, and.. some freebie advertising.

... ...

Lunch, on the other hand.. is going to cost you an arm and a leg.

:oP
0∈ [?]
::Nikoneer
08/28/12 2:42 PM GMT
Another cool feature of the Kiva site is something I used just a couple days ago. Kiva of course keeps track of the entrepreneurs you make loans to. A number of months back I had joined with others to make a loan to a lady in Kenya who runs her own grocery store (a small store but a grocery store, nonetheless). She just took out another loan and Kiva gave me the heads up on that so I could make another loan to her. I feel very safe in loaning to her again because she paid me and the others back before, proving that she'll do the same again. The vast majority of these people are honest, hard-working folk (their repayment rate right now is 98.97%!!!) and no one should be worried about taking this particular plunge. To be honest I did have one entrepreneur default partway through her loan (she paid back about a third before she defaulted) and I also had two who weren't able to finish the full repayment (one fell short by 11 cents and the other by 9 cents -- Oh, the humanity!), but that is a very small default rate considering only one actually failed out of the 71 loans I've made in the past year-and-a-half.

"I have always believed helping your fellow man is profitable in every sense, personally and bottom line." -- Mario Puzo

-Nik
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
::Nikoneer
09/16/12 6:17 PM GMT
Checking on Team Caedes today I see we are only $100 away from reaching $10,000 in loans made by this team. It might seem daunting but the majority of those loans has been simply re-loaning what's been paid back to us. And that's with only 12 members on the team. Imagine how much more we could accomplish if more of you became members?

-Nik
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
09/25/12 8:29 PM GMT

I just made my 20th loan on Kiva. Our team of 12 is now only $75 from the $10,000 mile stone. Please think of joining at this time and help us reach 10K. If you join you will get free money! ...here is are the details of this fabulous bonus offer. When one of your friends joins Kiva, you’ll both get to make a $25 loan for free.
For a limited time, existing lenders can make loans for free too! For each new user you successfully invite to Kiva, we’ll give you a $25 bonus to make a loan for free. Now how can you beat a deal like that!
5∈ [?]
Please Join The Caedes Kiva Team
+purmusic
10/15/12 3:29 AM GMT
Congratulations to Diane on reaching her 20th loan.

And a thank you to Nik for his continuing efforts to highlight Kiva and their ongoing global efforts in our space.


In a word.. nice. :o)
3∈ [?]
.marcaribe
11/05/12 7:05 PM GMT
The Caedes Kiva Team blew passed the 10K milestone and is up to 10,225. You heard of the miracle of compound interest my loans have the same effect more loans equal faster paybacks to roll over into new loans
4∈ [?]
Please Join The Caedes Kiva Team
+purmusic
02/28/13 11:38 AM GMT
~ le bump ~


:o)
0∈ [?]
+purmusic
03/27/13 11:35 AM GMT
"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."

Jessica Jackley: "Poverty, money -- and love"
0∈ [?]
.Nikoneer
03/28/13 1:10 PM GMT
With my 93rd loan, made this morning, the Caedes Kiva team reached $12,000 in loans. The site shows us having collectively made 444 loans but when I count them, member by member, the team total I arrive at is 571. Whichever is correct, it still reflects the impact the 14 members of our team have made on lives across the globe, since our "philcUK" started the team September 4, 2008. It's never too late to join with us in this endeavor and, even if you make just one loan, you've made a difference in someone's life. Think about it.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
03/28/13 3:56 PM GMT
Congratulations, Nik.. and good good on you and the Caedes Kiva team. :o)


That speech linked to above.. still moves me every time I view it. I would encourage anyone that is interested or has some questions, et al.. to do likewise.
0∈ [?]
::Nikoneer
04/18/13 2:35 PM GMT
Talking with Phil recently, it seems there are a few misconceptions about the way Kiva works that I'd like to address:

--as to who 'collects the interest,' any interest charged to lenders is done so by the lending organisation in that particular country not kiva or its members.

--Kiva isn't a charitable organisation but a facilitator of micro finance funding and, as far as we're aware - no financial institution in the world loans money interest free.

---Microfinance is usually understood to entail the provision of financial services to micro-entrepreneurs and small businesses, which lack access to banking and related services due to the high transaction costs associated with serving these client categories. The two main mechanisms for the delivery of financial services to such clients are (1) relationship-based banking for individual entrepreneurs and small businesses; and (2) group-based models, where several entrepreneurs come together to apply for loans and other services as a group. For some of us, microfinance is a movement whose object is "a world in which as many poor and near-poor households as possible have permanent access to an appropriate range of high quality financial services.

--Traditionally, banks have not provided financial services, such as loans, to clients with little or no cash income. Banks incur substantial costs to manage a client account, regardless of how small the sums of money involved. In addition, most poor people have few assets that can be secured by a bank as collateral. By providing loans to entrepreneurs, we sidestep that problem.

--Personally, I've always seen it in terms of the old saw about giving a man a fish and you feed him for a day. At Kiva we see our loans as not only teaching him to fish, thereby feeding him for life, but providing him with a loan for the right fishing gear as well. I realize the Caedes site is experiencing a downturn in it's fortunes lately, many people leaving and others working against the site, but even if the site folds Kiva, and our Kiva team will not. You can still join the team.

-Nik
4∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
tropical
12/11/14 1:56 AM GMT
Good going Kiva team, kudos to all of you! making $16,000 dollars in loans to this worthy cause...it gets A+++ in my book and well worth donating to along with Doctors without Borders
0∈ [?]
::Nikoneer
07/19/17 11:09 PM GMT
It's now late July, 2017, and our total is 665 loans for $17,750. The totals have dropped to only a quarter of what they were in 2015 (with still half the year to go), despite having 15 members. 10 of them I do not know at all and most of those made just one loan and nothing since. As the old Arlo Guthrie song about "Alice's Restaurant" goes, "If you want to make a change, ya gotta sing laaaaawwd!" That includes Kiva. You have to remember, though, it's not really a donation ("Where did my money go?"), it's a loan. You can get it back, to keep or to loan again. Since July of 2010 I've made 185 loans and have only put in a few dollars here and there (not the full $25) for at least the last 50 loans... I just keep reloaning the same money but making a difference with each one. If you want to feel good about something, you should try this.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
07/20/17 1:05 AM GMT
"It's now late July, 2017, and our total is 665 loans for $17,750."

That's impressive, still.


My hat's off to those that participate in this community venture; Kiva Lending Team: Caedes.

And if you are curious, or, sitting on the fence.. here's one of the cofounders speaking about the project: Jessica Jackley: "Poverty, money -- and love"

"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."
4∈ [?]

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