Kiva Newsletter OCTOBER 2008 Kiva ニュースレター 10月 2008年
Hi 〇〇〇, 〇〇〇さんこんにちは、
It's our 3rd birthday, and we've come a long way! Thanks to the help of Frontline viewers, we raised $1 million in our first year. By Year 2, we reached $10 million (thanks Oprah viewers!). By our 3rd birthday, we've passed $40 million and supported over 90,000 entrepreneurs. What can you get Kiva for our birthday? $1.5 million! Read on. わたしたちは設立3周年の誕生日を迎えました、長い道のりを歩んできました！ frontline viewersの手助けのおかげで、わたしたちは最初の1年目で100万ドルを集めました。 2年までに、その額は1000万ドルに達しました（Oprah viewersのみなさんありがとう！）。 3周年までに、4000万円を超え、90000人の起業家をサポートしました。 あなたは、わたしたちの誕生日として、Kivaに何をつかませることができますか？ 150万ドルです！ 詳細は続けて読んでください。
Want to give Kiva $1.5M? On our birthday, we are asking you to help us get our biggest grant ever by voting for Kiva in the AMEX Members Project competition. Thanks to everyone who voted for our project so far, Kiva has made the Final Five and is guaranteed a minimum award of $100,000. We're now in the home stretch with a one in five chance to win the $1.5 million first prize and we need your help to win! わたしたちの誕生日に、わたしはあなたにアメリカンエキスプレスメンバーのプロジェクトコンペに投票することで、わたしたちの過去最大の賞金を獲得する手助けをしてくれるようお願いします。 今まで投票してくれた人たちのおかげで、Kivaは最終5組に入り、最小でも10万ドルを獲得することになりました。5組中1組に与えられる一等賞金150万ドルを獲得するというチャンスに向かって、最終段階に入りました。 勝つためには、あなたの助けが必要です！
If you've already voted for our project, you helped us get here. But now all votes are reset to zero and we need you to vote one last time. This is the one that counts! If you're an American Express Cardmember vote for Kiva's project Loans that Change Lives here Not a cardmember? Tell your friends to vote $1.5 million will help us reach 60,000 entrepreneurs in need of loans. Our entry is called "Loans that change lives" and final round voting ends October 13th. This is the single biggest thing you could do to help Kiva this year and it's the best birthday present we could ever ask for! あなたがすでにわたしたちのプロジェクトに投票してくれたなら、あなたはわたしたちをここまで引き上げてくれました。しかし今、すべての投票者はゼロにリセットされました。最後にもう一回投票をしてください。その1票こそが、勝利へ導くのです！
あなたがアメリカンエキスプレスのカードメンバーなら、今ここでKivaのプロジェクトーLoans that Change Lives-に投票してください。 カードメンバーじゃないって？ それなら、友達に投票してくれるよう話してみてください。 150万ドルを得ることで、60,000人の貸付希望の起業家に支援をすることができるでしょう。 わたしたちのエントリーは。”Loans that change lives”で、最終投票は10月13日に終わります。 これは、あなたが今年Kivaを助けることができるたったひとつでかつ最大のもので、 わたしたちが今まで願ったなかで、最高のバースディプレゼントになるでしょう！
Yenku Sesay: From Survival to Success
(Nick Sabin is the first Kiva Fellow to work in Sierra Leone. The following is a shortened version of his article published in The Huffington Post.) （Nick Sabinは、シエラレオネで働く最初のKiva Fellowです。 以下は、The Huffington Postに掲載された彼の記事の短いバージョンのものです。）
Yenku Sesay very nearly didn't survive May 6, 1998. On that day a rebel army, led by the Revolutionary United Front (RUF), invaded his village of Kondembaya in northern Sierra Leone, and cut off the hands of many of the villagers, including his own. Many of the victims did not survive this horrific act, but Yenku's father used the family savings to hire a motorbike to take Yenku for treatment in a hospital hours away in the country's capital city, Freetown.
Though Yenku eventually recovered from the physical wounds, his life was destroyed. He was incapable of taking care of himself and eventually resorted to begging in the streets of Sierra Leone. At about 21 years old, Yenku's daily life had been reduced to asking for handouts, with little hope of change, little chance for something better.
Yenku would still be begging today, had he not been approached by Salone Microfinance Trust (SMT), in 2006, about taking out a group loan with four other local borrowers. No other institutions were even willing to consider Yenku for credit because of his amputee status. However, through lengthy discussions with Yenku, SMT saw in Yenku natural business skills and a drive to be self-reliant. He was approved for 300,000 Leones from SMT, the equivalent of approximately $100 USD.
Yenku used this money to develop a modest retail business. At first the business was no more than Yenku selling small items in the street, such as packaged biscuits, soaps, and other sundries. Over the past two years, by reinvesting the profits and building his credit with SMT, Yenku's business has grown to become a small shop selling an assortment of clothing, shoes, drinks, and other packaged food products.
Yenku dedicated himself to his business, and every month he made his repayments on time and often early. With the profits from his retail business, Yenku has recently expanded into livestock and agriculture. The result is that Yenku is now self-reliant. Instead of being a burden to his family or the community, Yenku has become a provider. He is able to support his family. He can feed and clothe his three children. He sends both of his school-age children to primary school, and he even pays for his younger brother's education.
I see the sense of pride in Yenku's smile. From raising a family, to relearning everyday tasks as a double amputee, Yenku is rebuilding his life. And the most critical tool for Yenku has been the microloan that SMT offered him in 2006. (Continue reading at Huffington Post)
KF6 is taking the program to new heights, including: the first Kiva Fellows in South Sudan, Honduras, Benin and Ukraine, the first ever video journaling Kiva Fellow, the first Kiva Fellow from Japan, the most year-long fellows in one class (6!), and more journalists, world travelers, and financial professionals than we?ve ever hosted at one time. Congratulations to all KF6ers who made it through a long week, absorbed a lot of information and energized the entire Kiva HQ with their enthusiasm and dedication.
If you'd like to be a have a once-in-a-lifetime experience living in the developing world, working with a microfinance institution(MFI) in the field and actually helping to alleviate poverty through access to capital, apply here today! (But don't take our word for it -- listen to Ankush, who's on his way to South Sudan!) Photo courtesy of Lori A. Cheung, thePortraitPhotographer.com
もしあなたが人生で一度だけ、途上国に住むという経験をしてみたいのなら、現場のマイクロファイナンス（小口融資）団体と働いてみたいなら、そして資産を通じて貧困をやわらげる手助けをしたいなら、 今日ここに申し込んでください！ （でもわたしたちの言葉を使わないでくださいねー南スーダンに行く途中のAnkushの声を聞いてみましょう！） Portrait Photographer.com のLori A. Cheungには、熱くお礼を申し上げます。
Ernst & Young Announces Kiva Partnership Ernst&YoungがKivaパートナーシップを表明しました。
Ernst & Young announced their commitment with Kiva, Increasing Transparency in Micro-Loans, at the Clinton Global Initiative, New York in September. This partnership will include procedures such as checking borrower identity, the loan amount and term of the loan, and the amount of the investment. To learn more, click here.
Thanks to people like you, we've made it to the Top 5 of the American Express Members Project competition (out of nearly 1,200 projects!). あなたのような方々に感謝します。 わたしたちはアメリカンエキスプレスメンバーズコンペで上位5位になれました。 （約1200のプロジェクト中ですよ！）
We're now in 3rd place in a close race for a $1.5 million grant from American Express. This money could help Kiva reach 60,000 more developing world entrepreneurs. アメリカンエキスプレスからの150万ドルの賞金をかけたレースで わたしたちは現在第3位です。
If you have an AmEx card, please take a minute to vote: もし、あなたがアメックスカードを持っているなら、投票してください。
http://www.membersproject.com/project/view/P6KQEI It costs no money and your vote could make the difference. これは無料で、あなたの1票がわたちたちの力になります。
Thanks so much for your time, 最後まで読んでくれてありがとうございます。
Matt Flannery Co-Founder of Kiva
p.s. I promise this is the last email request you'll see for this contest. Thanks again!! 追伸、このメールがコンテストへのお願いに関する、最後のメールであることを約束します。 重ねて感謝申し上げます！
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It's been a big month at Kiva with Partial Loan Repayments, Lending Teams, and KivaVision! This month's newsletter tells you what we've been up to, shows you a cool way to see what Kiva Lenders are up to, and includes a report straight from Kenya!
Let us explain that a little more. Before August 28, Kiva Lenders were unable to lend repayments on their loans until the entire loan was repaid. So, if a loan was half repaid, the funds that were repaid stayed with Kiva until the other half of the loan was also repaid, at which point Kiva gave the lender access to their funds.
That all changed on August 28! Kiva's whole staff (and many lenders) watched as the engineering team released an important change to the website, giving lenders access to any repaid loan funds which Kiva has access to. The total of these "partial loan repayments" was TEN MILLION DOLLARS.
Make a Bigger Impact: Join a Team より大きなインパクトを ： チームに参加しよう
We know that many Kiva Lenders don't just lend through Kiva as an individual. There are many families, classrooms, church groups, university clubs and social groups that lend through Kiva as a fun or educational activity to do together.
Now you can show the impact of your group with Lending Teams! わたしたちは、Ｌｅｎｄｉｎｇ Ｔｅａｍ（融資チーム）を利用することであなたのグループが持つインのアクトをご紹介します！
Each group member can have their own Kiva account, and be a team member at the same time, counting their loans towards your team totals. Already there are over 500 teams, including the Kiva Shopping Club, Campus Kiva, and even Team Europe.
Story from the Field: Dorine Awino, Serial Entrepreneur and Hope Dealer
現場からのストーリー ： Dorine Awino、一連の起業と希望のディーラー
(Zack Turner is a Kiva Fellow from Santa Barbara, currently working in Kenya with Opportunity International - Wedco Co.)
（Ｚａｃｋ Ｔｕｒｎｅｒはサンタバーバラ出身のＫｉｖａ Ｆｅｌｌｏｗ（同僚、研究員の意味）で、近頃はケニヤでOpportunity International -wedco Co. と働いています）
I stepped into a small tin covered room where a younger woman sat working on an embroidery machine. Dorine, a young Kiva entrepreneur, introduced me to the woman who is one of her embroidery students. The embroidery school she offers in this room is her third successful business of an accomplished 24 year old micro-entrepreneur. Her three businesses include a shoe stand, a clothing kiosk, and an embroidery school.
Dorine is a single mother with two young children. Her career began in Nairobi working at a large embroidery factory. She knew that she didn't want to stay long and saved to buy her own embroidery machine and started her own business. That led to starting a shoe business and later a clothing business. The growth of her diversification shows what ability, coupled with small loans, can do.
This past winter, Kenya ignited into political and social turmoil due to the disputed presidential election. During the height of the protests, looters broke into her shops and stole her stock. Thankfully they didn't take away the heavy and expensive embroidery machines.
During the crisis in January and February economic activity halted, people rioted, others fled, all suffered from the lack of stability. Despite all this, Dorine doesn't blame others, she isn't bitter, her resilience and spirit is fueled by optimism. "Things have been getting better, people are buying goods again and the beginning of the school year will begin the busy season". Her plans for the next loan are to buy an advanced embroidery machine to make fine and delicate dresses and eventually she wants to see both of her kids graduate from a university.
Since my time with Dorine, I've met hundreds of other entrepreneurs. They have all been remarkable in their own ordinary ways, but there is something about Dorine that lasts. I've been learning that Kiva entrepreneurs don't operate in a small, linear, and segmented sphere that is described the few sentences of text of posted profile. Could I summarize your life and work in a couple paragraphs? I didn't think so. Kiva entrepreneurs are multidimensional and complex, driven and anxious, challenged and enabled.
As a Kiva Fellow I've seen how micro-finance really works. How its small loans can add promise and possibility into peoples lives. How it spreads to their families and their friends and their neighbors. That's why Dorine opened up the embroidery school, not as a means to make more money, but as a way to pass on to other women what she has received. Tens of her pupils have learned embroidery from her and many more will.
KivaVision is a cool page we created which shows you, real time, who is making loans on Kiva. Every time a loan is made, the world map moves to show you who made it and where they are. There's no better way to watch the whole world doing good, right now.
We believe this is one of the best ways to empower our neighbors, giving them opportunities to become economically independent, improve their standard of living, and alleviate poverty for themselves and their communities.