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Hola, os presento un broker que no sirve para comprar acciones ni tampoco para obtener retornos monetarios, pero que en mi opinión tiene una altísima rentabilidad en términos de creación de riqueza o al menos de eliminación de la pobreza
Llevo un año funcionando con ellos y os aseguro que el riesgo es muy bajo, el dinero se recupera salvo excepciones muy excepcionales, y funcionan muy bien con total transparencia. Y además, las comisiones son "la voluntad". ¿alguien da más?
Os animo a invertir una pequeña parte de vuestras carteras en microcréditos a través de Kiva (o si conocéis otra mejor, comentadlo).
Os copio un email que acabo de recibir que me ha hecho aumentar mi admiración por ellos y me ha animado a hacerles publicidad por aquí. Fijáos como se niegan a condonar ningún préstamo a menos que se justifique caso por caso.
Un abrazo para todos
***************
You are receiving this update because you made a loan to a Kiva borrower through our Field Partner BRAC Sierra Leone Microfinance Company Limited.
Thank you for supporting an entrepreneur in Sierra Leone.
Dear Kiva Lender,
You are receiving this message because you have a loan outstanding with BRAC Sierra Leone. As you're likely aware, Sierra Leone has been greatly affected by the Ebola outbreak and this has impacted BRAC Sierra Leone's operations. We would like to share an update with you about the current situation.
Tragically, 69 of BRAC Sierra Leone's borrowers passed away after contracting Ebola. None of the staff is reported to have contracted the disease. If the borrower you lent to was one of the individuals who passed away, the unpaid portion of the loan will be defaulted in the future and you will receive an email at that time informing you if the reason for the default was a result of contracting Ebola. BRAC Sierra Leone continues to assist in combating further spread of Ebola through training and education efforts and by assisting in disbursing supplies.
BRAC Sierra Leone closed all branches and suspended all operations in August with hopes to reopen certain branches by the end of October. Branches in the worst affected districts will remain closed.
All of our Field Partners in Sierra Leone and Liberia have seen an increase in delinquency rates as a result of the crisis. Borrowers' businesses are facing a very difficult operating environment because of government-instituted bans on travel to certain areas, blockades, checkpoints in many places, and the resulting panic and fear among people. Additionally, staff members are not able to consistently follow up on loans through onsite visits with borrowers.
In light of the crisis, Kiva continues to work with all Field Partners in Sierra Leone and Liberia to determine an appropriate and flexible repayment plan considering the realities of the current situation. We have given all Field Partners in the affected region a four-month grace period until the end of the year, which means we will not be receiving any repayments for any outstanding loans from these Field Partners during this time frame. We will review the situation in January 2015 to determine the most appropriate course of action at that time.
We've received many generous requests from lenders asking if they can forgive their portion of the loan. While forgiving loans in cases where the borrower is deeply affected is the appropropriate course of action, our Field Partners continue to operate in some areas that have been less affected by Ebola. In cases where the borrower is still willing and able to repay, forgiving loans could be detrimental to both the borrower's ability to access credit in the future and to the Field Partners' ability to continue regular operations. We trust our Field Partners to identify which borrowers are still able to repay their loans on time, which will need their loans restructured, and which will be completely unable to repay and should have their loans written off. We have encouraged our Field Partners to identify which borrowers are in need of such interventions.
If you'd like to support efforts to contain the crisis, you can learn more about the work of certain organizations working to combat the outbreak here. If you are interested in learning more about organizations working to improve overall economic opportunities in the region, we encourage you to read about the work of our five Field Partners in the region: ARD, SMT, BRAC Sierra Leone, BRAC Liberia, and Sjedi Green Energy.
We sincerely thank you for your support during this time, and we are continuing to send our thoughts and prayers to our Field Partners working in the region to improve the livelihoods of their borrowers.
Llevo un año funcionando con ellos y os aseguro que el riesgo es muy bajo, el dinero se recupera salvo excepciones muy excepcionales, y funcionan muy bien con total transparencia. Y además, las comisiones son "la voluntad". ¿alguien da más?
Os animo a invertir una pequeña parte de vuestras carteras en microcréditos a través de Kiva (o si conocéis otra mejor, comentadlo).
Os copio un email que acabo de recibir que me ha hecho aumentar mi admiración por ellos y me ha animado a hacerles publicidad por aquí. Fijáos como se niegan a condonar ningún préstamo a menos que se justifique caso por caso.
Un abrazo para todos
***************
You are receiving this update because you made a loan to a Kiva borrower through our Field Partner BRAC Sierra Leone Microfinance Company Limited.
Thank you for supporting an entrepreneur in Sierra Leone.
Dear Kiva Lender,
You are receiving this message because you have a loan outstanding with BRAC Sierra Leone. As you're likely aware, Sierra Leone has been greatly affected by the Ebola outbreak and this has impacted BRAC Sierra Leone's operations. We would like to share an update with you about the current situation.
Tragically, 69 of BRAC Sierra Leone's borrowers passed away after contracting Ebola. None of the staff is reported to have contracted the disease. If the borrower you lent to was one of the individuals who passed away, the unpaid portion of the loan will be defaulted in the future and you will receive an email at that time informing you if the reason for the default was a result of contracting Ebola. BRAC Sierra Leone continues to assist in combating further spread of Ebola through training and education efforts and by assisting in disbursing supplies.
BRAC Sierra Leone closed all branches and suspended all operations in August with hopes to reopen certain branches by the end of October. Branches in the worst affected districts will remain closed.
All of our Field Partners in Sierra Leone and Liberia have seen an increase in delinquency rates as a result of the crisis. Borrowers' businesses are facing a very difficult operating environment because of government-instituted bans on travel to certain areas, blockades, checkpoints in many places, and the resulting panic and fear among people. Additionally, staff members are not able to consistently follow up on loans through onsite visits with borrowers.
In light of the crisis, Kiva continues to work with all Field Partners in Sierra Leone and Liberia to determine an appropriate and flexible repayment plan considering the realities of the current situation. We have given all Field Partners in the affected region a four-month grace period until the end of the year, which means we will not be receiving any repayments for any outstanding loans from these Field Partners during this time frame. We will review the situation in January 2015 to determine the most appropriate course of action at that time.
We've received many generous requests from lenders asking if they can forgive their portion of the loan. While forgiving loans in cases where the borrower is deeply affected is the appropropriate course of action, our Field Partners continue to operate in some areas that have been less affected by Ebola. In cases where the borrower is still willing and able to repay, forgiving loans could be detrimental to both the borrower's ability to access credit in the future and to the Field Partners' ability to continue regular operations. We trust our Field Partners to identify which borrowers are still able to repay their loans on time, which will need their loans restructured, and which will be completely unable to repay and should have their loans written off. We have encouraged our Field Partners to identify which borrowers are in need of such interventions.
If you'd like to support efforts to contain the crisis, you can learn more about the work of certain organizations working to combat the outbreak here. If you are interested in learning more about organizations working to improve overall economic opportunities in the region, we encourage you to read about the work of our five Field Partners in the region: ARD, SMT, BRAC Sierra Leone, BRAC Liberia, and Sjedi Green Energy.
We sincerely thank you for your support during this time, and we are continuing to send our thoughts and prayers to our Field Partners working in the region to improve the livelihoods of their borrowers.
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