“You Decide” (Loans and Donation Assignment) – 4/10/-2012
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“Since October 2004, 169,000 scholarships have been distributed to girls and boys who are economically disadvantaged, disabled, orphaned, and/or affected or infected by HIV/AIDS.” – http://agsp.worlded.org/
With a growing world population and limited national resources, as well as conflict and many other crises happening around the world, and, it is not an unexpected consequence than only some of those in need will benefit from foreign aid programs. However, choosing sometimes between who eats, or who goes to school is a very difficult problem. We have here a number of potential aid beneficiaries. By clicking on their image you will be able to visit their profile. Taking into account what you consider most important, which three individuals will you fund? There is no right answer, just difficult choices.
[Text Box]
Criteria Use to Make a Decision
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Considerations |
What is the Weight (out of 1.0) |
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Economically disadvantaged |
? |
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Disabled |
? |
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Orphaned |
? |
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Affected (or infected) by HIV/AIDS |
? |
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Other (Location, Age, Bio, Etc.) |
? |
Assignment Details
In the table above there are 9 pictures of individuals who could benefit from foreign educational aid. Three of these individuals would benefit from a higher educational loan, three from assistance with secondary education, and three more with assistance with attending primary education. Unfortunately due to limited resources only some students can benefit.
The images above, the student profiles, are linked to pages on the internet that contain additional information about the subjects. These pages may no longer be available but similar students can be fund through institutions such as Kiva or Compassion International
Websites Used: www.Kiva.org and www.compasion.com.
The goal of the assignment is to discuss the biographical information of the 9 possible funding candidates. They all have different backgrounds and educational goals. After looking at their personal data, we are to then decide which individual will and will not be funded. Having access to the biographical data personalizes the simulation.
The idea would be to give every person three post-it notes (of three colors – ranking 1 to 3) and then after talking or discussing the idea in small groups (of 4 to 5 members) they could indicate who each group member would like to fund by placing the stickers by their names. Nine larger images will be placed in the whiteboard were people would be able to tag their post it notes.
There will be an additional area where people can also decide that they rather not fund a person and they rather give the money to a general fund. Personalizing foreign aid is a recent trend by aid organizations that are trying to further humanize through the use of technology a situation that is often reduced to statistics.
We hope you enjoy this assignment. Feel free to modify it as needed.
The URLs used for the assignment may become broke over time. Below we copied the description that was available on the website when the assignment was created.
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A loan of $850 helped Yasmeen to pay for her current semester fees.
Yasmeen is a 21-year-old single lady. She is the oldest of five sisters and a brother. After her father retired from the military, he started working for a company to be able to support his family and make sure that all of his daughters and his son complete their studies and education.
Yasmeen is the first to enter university. She is now in her third year, majoring in Financing and Banking and hoping to work in the banking field after graduation. She also wants to set a good example for her sisters, so she is trying her best to graduate early and find a job. She plans to later register to get an MBA. Now she has applied for this loan to pay for her current semester to be able to achieve her goals.
Additional information about this loan
About National Microfinance Bank
Jordan is a small country located in the heart of the Middle East’s Levant region. Regional instability has caused Jordan to be excluded from global investments for decades. Additionally, a lack of natural resources—including water and energy—places tremendous strain on the Jordanian economy, over 80% of which consists of small businesses, largely in the service industry. Despite their importance in the economy, many of these businesses are excluded from the banking sector because of their size. Microfinance institutions like National Microfinance Bank offer them an opportunity to enhance and expand their businesses. NMB also offers its services to other underprivileged peoples in Jordan, providing them with loans to pursue educational goals and improve their homes and livelihoods.
About the Country
Country: Jordan
Average Annual Income: $3,740
Currency: Jordan Dinars (JOD)
Exchange Rate: 0.7100 JOD = 1 USD
Field Partner:
National Microfinance Bank
Field Partner Due Diligence Type: Full Due
Diligence Field Partner Risk Rating: 3.5 out of 5
Time on Kiva: 12 months
Kiva Entrepreneurs: 732 Total Loans: $857,625
Interest & Fees are Charged Yes Portfolio Yield: 36.56%
Profitability (Return on Assets): 9.19%
Average Loan Size (% of Per Capita Income): 15.04%
Delinquency Rate: 0.03%
Loans at Risk Rate: 0.58%
Default Rate: 8.03%
Currency Exchange Loss Rate: 0.00%
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A loan of $575 helped Sewar pay for her semester fees.
Sewar is a 21-year-old single woman. She has four brothers and sisters.
Additional information about this loan
About National Microfinance Bank
Jordan is a small country located in the heart of the Middle East’s Levant region. Regional instability has caused Jordan to be excluded from global investments for decades. Additionally, a lack of natural resources—including water and energy—places tremendous strain on the Jordanian economy, over 80% of which consists of small businesses, largely in the service industry. Despite their importance in the economy, many of these businesses are excluded from the banking sector because of their size. Microfinance institutions like National Microfinance Bank offer them an opportunity to enhance and expand their businesses. NMB also offers its services to other underprivileged peoples in Jordan, providing them with loans to pursue educational goals and improve their homes and livelihoods.
About the Country
Country: Jordan
Average Annual Income: $3,740
Currency: Jordan Dinars (JOD)
Exchange Rate: 0.7100 JOD = 1 USD
Field Partner
National Microfinance Bank
Field Partner Due Diligence Type: Full Due
Diligence Field Partner Risk Rating: 3.5 out of 5 Stars
Time on Kiva: 12 months
Kiva Entrepreneurs: 732
Total Loans: $857,625
Interest & Fees are Charged Yes Portfolio Yield: 36.56%
Profitability (Return on Assets): 9.19%
Average Loan Size (% of Per Capita Income): 15.04%
Delinquency Rate: 0.03%
Loans at Risk Rate: 0.58%
Default Rate: 8.03%
Currency Exchange Loss Rate: 0.00%
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A loan of $575 helped Samuel to purchase a laptop to help him with his projects, assignments and revision for exams.
Samuel is a student applying for a loan to purchase a laptop to assist in his studies at Strathmore University and this is his story:
Additional information about this loan
Important information
Strathmore University is a non-traditional Field Partner, in that they are an educational institution, not a microfinance institution. Lenders to these loans should be aware of the following:
1 – You might not begin to receive repayments on this loan for many years, and this loan may have terms as long as 11 years. The full-tuition loans administered by Strathmore University can have loan terms of up to 11 years, which includes a grace period of up to 5 years. The grace period includes the time during which the student is enrolled at the university, and the first year after graduation. During the grace period, the borrower is not required to make any repayments, and you would not receive any repayments. Please be sure the loan terms and repayment schedule of this loan suit you.
About the Country
Country: Kenya
Average Annual Income: $1,445
Currency: Kenya Shillings (KES)
Exchange Rate: 83.1000 KES = 1 USD
Field Partner
Strathmore University
Field Partner Due Diligence Type: Full Due Diligence
Field Partner Risk Rating: Non-Rated
Time on Kiva: 2 months Kiva
Entrepreneurs: 25 Total Loans: $43,075
Interest & Fees are Charged Yes Portfolio Yield: N/A
Profitability (Return on Assets): 0%
Average Loan Size (% of Per Capita Income): N/A
Delinquency Rate: 0.00%
Loans at Risk Rate: 0.00%
Default Rate: 0.00%
Currency Exchange Loss Rate: 0.00%
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Vijay Singh
Age: 16
Birthday: June 30, 1995
Gender: Male
Location: India
Center: MTU Vidya Kendra Student Center
Child ID: IN2250026
Support Needed
$38.00 per Month
Overview
Vijay lives with his father and his mother. He is responsible for gardening, running errands and cleaning. His father is sometimes employed as a seller in the market and his mother maintains the home. There are 2 children in the family.
As part of Compassion’s ministry, Vijay participates in church activities, Bible class and Vacation Bible School. He is also in high school where his performance is average. Art, listening to music and hide-and-seek are his favorite activities.
Because of your sponsorship, Vijay will have new opportunities to learn and grow physically, mentally, and spiritually. Thank you for your concern and prayers.
Community
Vijay lives on the plains of New Ashok Nagar, home to approximately 16,200 residents. Typical houses are constructed of cement and have corrugated iron roofs. The primary ethnic groups are Bojpuri, Bengali and Bihari and the most commonly spoken languages are Hindi and Punjabi..
The regional diet consists of beans, bananas, chicken, bread, potatoes and fish. Common health problems in this area include malnutrition, skin diseases, typhoid fever, cholera and jaundice. Half the adults are unemployed but some work as day laborers or rickshaw pullers and earn the equivalent of $60 per month.
Your sponsorship allows the staff of MTU Vidya Kendra Student Center to provide Vijay with Bible teaching, nutritious food, health checkups, sports, field trips, special celebrations, income-generating programs and counseling. The center staff will also provide adult literacy programs, medical checkups and meetings for the parents or guardians of Vijay
Country
India, the world’s largest democracy, has a tropical climate in the south and a more temperate climate in the north. The cool season is from November to March; the dry, hot season is from March to June; and the weather is hot and rainy the rest of the year.
In southern India, languages spoken are Tamil, Telugu, Malayalam and Kannada. In this region Christianity dates back to the first century when St. Thomas the apostle landed in Kerala and established a church there. He was eventually martyred in Chennai, where Compassion’s southern office is located.
India is home to one of the world’s oldest urban civilizations, dating to about 3500 B.C. This civilization declined around 1500 B.C., and soon after came the Aryan invasion and the gradual establishment of Aryan rule. In 1192, Arabs invaded, bringing with them the Islamic faith. British influence came with trading companies in the 1600s. British rule over India was established in 1757 and lasted until 1947, when a peaceful independence movement, made famous by Mohandas Gandhi, achieved its goal. The country now has a federal republic, and Pratibha Patil was elected the first female president of India in 2007.
India’s diverse economy encompasses traditional village farming, modern agriculture, handicrafts, a wide range of modern industries, and a multitude of services. The country has capitalized on its large numbers of well-educated people skilled in the English language to become a major exporter of software services and workers.
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Ivelise Bigil Altido
Age: 12
Birthday: February 21, 2000
Gender: Female
Location: Dominican Republic
Center: Centro de Desarrollo Infantil Educando Para El Reino
Child ID: DR1630221
Support Needed
$38.00 per Month
Overview
Ivelise lives with her father. She is responsible for caring for children, making beds and cleaning. Her father is sometimes employed as a farmer. There are 3 children in the family.
For fun, Ivelise enjoys playing with dolls, running and playing group games. She attends church activities, Bible class and Vacation Bible School regularly and is in primary school where her performance is average.
Your love and support will help Ivelise to receive the assistance she needs to develop her potential. Please pray for her.
Community
Ivelise lives on the plains of La Luisa Blanca, home to approximately 3,000 residents. Typical houses are constructed of cement floors, wood walls and zinc roofs. The regional diet consists of chicken, bread and rice.
Common health problems in this area include parasites, malnourishment and skin diseases. Most adults in La Luisa Blanca work on plantations and earn the equivalent of $121 per month. This community needs employment opportunities, basic services and recreation facilities.
Your sponsorship allows the staff of Centro de Desarrollo Infantil Educando Para El Reino to provide Ivelise with Bible teaching, medical and dental care, field trips, summer camps, music classes and academic support. The center staff will also provide literacy classes and vocational training for the parents or guardians or Ivelise.
Country
The Dominican Republic occupies the eastern two-thirds of the island of Hispaniola, which it shares with Haiti. It has a tropical climate, but moist, year-round trade winds keep temperatures between 72 and 83 degrees.
Nearly three out of four Dominicans have both black and Caucasian ancestry. Spanish is the official language, and 95 percent of Dominicans are Catholic. Nearly 90 percent of Dominicans live in rural areas where unemployment is high and malnutrition is widespread. A family’s diet consists mainly of rice, beans and chicken. Though agriculture was long the economic mainstay, in recent years growth in tourism and free-trade zones has made the service sector the country’s largest employer. Compassion works with children in nearly every region of the country.
The Taíno people were the country’s original inhabitants. In 1492, they welcomed Christopher Columbus in his first voyage to the island, but subsequent colonizers were brutal, reducing the Taíno population from about 1 million to about 500 in 50 years. Hispaniola became the center of Spanish rule in the West Indies. The indigenous people were wiped out and slaves were brought from Africa to populate the island. The descendants of those slaves form most of the population today. For three centuries, Spain governed Hispaniola, followed by France. In 1804, the western part of the island won independence as the Republic of Haiti. In 1844, the eastern two-thirds of the island revolted and formed the Dominican Republic. In 2004, Leonel Antonio Fernández Reyna was elected to his second term as president.
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Willinton Ramon Garcia Cedeño
Age: 15
Birthday: September 4, 1996
Gender: Male
Location: Ecuador
Center: Estrella de Jacob Student Center
Child ID: EC3732461
Support Needed
$38.00 per Month
Overview
Willi lives with his father and his mother. His father is sometimes employed as a seller in the market and his mother maintains the home. Willi works at home running errands. There are 2 children in the family.
For fun, Willi enjoys soccer, swimming and singing. He attends church activities regularly and is in high school where his performance is average.
Please remember Willi in your prayers. Your love and support will help him to receive the assistance he needs to grow and develop.
Community
Willi lives in the hillside community of 15 de Abril, home to approximately 7,200 residents. Typical houses are constructed of bamboo and have corrugated tin roofs. The most commonly spoken language is Spanish.
The regional diet consists of beans, bananas, bread, chicken, fish, beef, plantains, potatoes and rice. Common health problems in this area include dengue fever, typhoid, cholera, intestinal infections, asthma, malaria, chicken pox, mumps and rotavirus. Most adults are unemployed but some work merchants, fisherman, or day laborers and earn the equivalent of $240 per month. This community needs scholastic materials and employment opportunities.
Your sponsorship allows the staff of Estrella de Jacob Student Center to provide Willi with Bible classes, health education, sports, field trips, academic support, educational classes and homework help. The center staff will also provide parents’ school for the parents or guardians of Willi.
Country
Straddling the equator, Ecuador has two Andes mountain ranges that split it into three zones: the western coastal lowlands, the central Andean highlands and the eastern jungles of the Amazon basin. The lowlands and islands are hot and humid and the highlands are temperate.
The Ecuadorian population is about 25 percent Amerindian and 65 percent mestizo (Amerindian and Caucasian). The remainder is of Spanish or African descent. Most people live in urban settings. Spanish is the official language but many Indians speak Quechua, the language of the Incas, and practice traditional religions. Ninety-five percent of Ecuadorians are Catholic. Compassion works throughout central and western Ecuador.
Spanish conquistador Francisco Pizarro invaded Ecuador, home of the Inca Empire, in 1532 and controlled it within two years. In 1822, Ecuador gained freedom as part of a federation known as Gran Colombia. In 1830, it gained independence as Ecuador.
In recent decades, Ecuador’s economy has relied heavily on oil export revenue, so fluctuations in world market prices have a significant economic impact. A drop in world oil prices combined with natural disasters in the late 1990s to drive Ecuador’s economy into poverty. In 2000, Congress enacted reforms and adopted the U.S. dollar as legal tender, which helped stabilize the economy. In recent years, however, economic reforms have been reversed, making Ecuador again vulnerable to oil price swings and financial crises. And though Ecuador marked 25 years of civilian governance in 2004, it has been troubled by political instability, including the ouster of the last three democratically elected presidents. Rafael Correa is the current president.
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Karla Beatriz Guerra Guerra
Age: 6
Birthday: July 3, 2005
Gender: Female
Location: El Salvador
Center: Unidos por Jesucristo Student Center
Child ID: ES9000169
Support Needed
$38.00 per Month
Overview
In her home, Karla helps by helping in the kitchen and running errands. She lives with her father and her mother. Her father is sometimes employed as a farmer and her mother maintains the home.
Karla is not presently attending school. Singing, playing with dolls and hide-and-seek are her favorite activities. She also attends church activities and Bible class regularly.
Please remember Karla in your prayers. Your love and support will help her to receive the assistance she needs to grow and develop.
Community
Karla lives on the hills of Canton Guachipilin, home to approximately 5,000 residents. Typical houses are constructed of cement floors, adobe walls and tin roofs. The primary ethnic group is Mestizo and the most commonly spoken language is Spanish.
The regional diet consists of maize, beans, rice and potatoes. Common health problems in this area include dengue, diarrhea and fevers. Most adults in Canton Guachipilin are unemployed but some work as day laborers and earn the equivalent of $75 per month. This community needs employment opportunities and educational programs.
Your sponsorship allows the staff of Unidos por Jesucristo Student Center to provide Karla with Bible teaching, medical and dental checkups, tutoring, hikes and summer school. Thirty percent of children in this project do not attend school as it is not required before the age of seven in El Salvador. The center staff will also provide meetings and devotionals for the parents or guardians of Karla
Country
Most Salvadorans live in the country’s subtropical central region of valleys and plateaus. A hot coastal plain is in the south and the north is mountainous. Nearly all the land is farmed; coffee is grown in the mountains.
Ninety percent of El Salvador’s population is of mixed Indian and Spanish descent; about 60 percent live in urban areas. Although a few Indians have retained many of their old customs and traditions, most people have adopted the Spanish language and culture. Fifty-seven percent of Salvadorans are Catholic but there is extensive activity by Protestant groups and over twenty-one percent are Protestants. Compassion works in the central, southern and western regions of the country.
El Salvador is the smallest and most densely populated country in Central America. Spain claimed the country in 1525. Almost 300 years later, El Salvador declared its independence and, after a brief union with Mexico, joined four other Central American countries to form a federation. When this union ended in 1838, El Salvador became a republic. The country experienced a period of increasing unrest during the 1970s that culminated in a civil war in the 1980s. In 1992, a peace agreement was reached.
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Jordy Manuel Sifontes Barrientos
Age: 8
Birthday: January 26, 2004
Gender: Male
Location: El Salvador
Center: Monte Gilboa Student Center
Child ID: ES7390323
Support Needed
$38.00 per Month
Overview
In his home, Jordy helps by running errands. He lives with his father and his mother. His father is sometimes employed as a laborer and his mother maintains the home. There are 2 children in the family.
Soccer and bicycling are Jordy’s favorite activities. In primary school his performance is average and he also regularly attends church activities and Bible class.
Please remember Jordy in your prayers. Your love and support will help him to receive the assistance he needs to grow and develop.
Community
Jordy lives in the hills of Candelaria de La Frontera, home to approximately 800 residents. Typical houses are constructed of cement floors, adobe walls and tile roofs. The regional diet consists of beans, maize and bread.
Common health problems in this area include malnutrition, respiratory diseases and diarrhea. Most adults in Candelaria de La Frontera are unemployed but some work as subsistence farmers and earn the equivalent of $40 per month. This community needs educational materials, employment opportunities and alcohol abuse prevention programs.
Your sponsorship allows the staff of Monte Gilboa Student Center to provide Jordy with Bible teaching, medical checkups, nutritious food, health and hygiene education, recreational activities, academic support and vocational training. In addition, non-schooled children receive developmental activities. The center staff will also provide meetings, parents’ school and social activities for the parents or guardians of Jordy.
Country
Most Salvadorans live in the country’s subtropical central region of valleys and plateaus. A hot coastal plain is in the south and the north is mountainous. Nearly all the land is farmed; coffee is grown in the mountains.
Ninety percent of El Salvador’s population is of mixed Indian and Spanish descent; about 60 percent live in urban areas. Although a few Indians have retained many of their old customs and traditions, most people have adopted the Spanish language and culture. Fifty-seven percent of Salvadorans are Catholic but there is extensive activity by Protestant groups and over twenty-one percent are Protestants. Compassion works in the central, southern and western regions of the country.
El Salvador is the smallest and most densely populated country in Central America. Spain claimed the country in 1525. Almost 300 years later, El Salvador declared its independence and, after a brief union with Mexico, joined four other Central American countries to form a federation. When this union ended in 1838, El Salvador became a republic. The country experienced a period of increasing unrest during the 1970s that culminated in a civil war in the 1980s. In 1992, a peace agreement was reached
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Nathalie Akossiwa Koudaya
Age: 8
Birthday: July 20, 2003
Gender: Female
Location: Togo
Center: Centre de Dévélopement des Enfants Sinai Tabligbo
Child ID: TG8080136
Support Needed
$38.00 per Month
Overview
In her home, Nathalie helps by carrying water, running errands and cleaning. She lives with her father and her mother. Her father is sometimes employed as a farmer and her mother is sometimes employed as a farmer. There are 4 children in the family.
Playing group games is Nathalie’s favorite activity. In primary school her performance is below average and she also regularly attends church activities and Bible class.
Because of your sponsorship, Nathalie will have new opportunities to learn and grow physically, mentally, and spiritually. Thank you for your concern and prayers.
Community
Nathalie lives on the plains of Tabligbo Akpadjavi kondji, home to approximately 6,300 residents. Typical houses are constructed of cement floors, brick walls and corrugated iron roofs. The primary ethnic group and spoken language is Ouatchi.
The regional diet consists of maize, beans, bananas, chicken, fish, bread, cassava, rice and potatoes. Common health problems in this area include malaria and worms. Half the adults in Tabligbo Akpadjavi kondji work as street vendors, subsistent farmers or market traders and earn the equivalent of $22 per month. This community needs a cultural center and proper sanitation.
Your sponsorship allows the staff of Centre de Dévélopement des Enfants Sinai Tabligbo to provide Nathalie with Bible teaching, retreats, hygiene and nutrition lessons, field trips, community work, tutoring and educational materials. The center staff will also provide training for the parents or guardians of Nathalie.
Country
Togo is a small country located in Western Africa. Despite its size, it includes several distinct geographic regions: gently rolling savanna in north; hills in the central part of the country; southern plateau; and low coastal plain with many lagoons and marshes. The climate is as diverse as the geography: tropical in the south to semi-arid in the north.
The people of Togo are made up of more than 37 different African tribes, the most prevalent being Ewe, Mina, and Kabre. French is the official language, along with four regional African languages. More than half of the population practices a religion made up of indigenous beliefs, while the remaining are split between Christianity and Islam. Togo’s economy is based mostly on commercial and subsistence agriculture, with cotton being the most important cash crop. Cocoa and coffee are exported as well. Togo is also the world’s fourth-largest producer of phosphate. Economic instability has lead to 32% of the population in Togo living below the poverty line.
French Togoland became Togo in 1960. Beginning in 1967, Togo was ruled by a military general whose Rally of the Togolese People (RPT) party has maintained power almost continually since that time. The RPT still maintains a majority of seats in today’s legislature. Upon the president’s death in 2005, the military installed his son and then engineered his formal election two months later, beginning Togo’s transition to a democracy and leading to its first legitimate elections in October 2007. While Togo has a long history of political unrest and has been accused numerous times of human rights violations, recently it has achieved some political stability and recognition in the international community.
