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We are extremely happy beneficiaries of the DSE Kiva program. As a young woman running a social enterprise in one of the toughest industries - Coffee it has been an extremely ardous process trying to access affordable, time efficient capital. In as much as the maximum amount is the $50k and we were trying to raise more, the loan from DSE has enabled us to access international markets we have been trying to tap into without much success due to a shortage of working capital and when we have applied for loans from local banks , the requirements have been ridiculously out of reach for a company like ours which has grown organically for the past 8 years - high interest rates, collateral we do not have amongst other hurdles women in Africa encounter while trying to access finance. Kiva has been a great lender and partner and we appreciate the monthly follow ups and on ground visits they have been able to arrange with us as it keeps us focused and in check and we feel that we have or are working with people that care about the success of our business. I have run this enterprise for 8 years and we have suffered through expensive bank loans or other long arduous processes from impact investors who are simply about returns not looking at the actual impact to the smallholder farmer. We love the fact that Kiva has focused on impact we have to that smallholder coffee farmer and not just lending us money because of a good return. Personally I would love for our organization to keep working with Kiva and other like minded organizations that can support and lend to upcoming hungry, energetic young entrepreneurs especially here in Africa therefore giving us a chance to fulfill our dreams in transforming the agricultural landscapes of our respective countries.