Argan Oil Benefits: Update on our loan to Titilayo Daramola in Nigeria

Cultural Connnections LLC, and Eden Allure 100% Pure Moroccan Argan Oil is happy to bring the following news from Kiva.org:

Dear Cultural Connections,

This is an update on your loan to Titilayo Daramola in Nigeria.

Titilayo sells clothes, lady’s shoes, bags and jewelries. She invested
her kiva loan in her business. Having an extra capital has improvement
her business.

< Titilayo dreams is to enter a new line of business by been a kerosene
distributor and also expand her former business. She says a very big
thank you to all kiva lenders for the financial support and hope to go
for second stage loan.

Additional notes from Kiva:

1. This update was posted from Nigeria by Kiva's Field Partner, Lift
Above Poverty Organization (LAPO). If you appreciate this update, please
consider supporting another entrepreneur listed by this Field Partner.
You can view other fundraising loans of Lift Above Poverty Organization
(LAPO) here:

http://www.kiva.org/app.php?page=businesses&partner_id=20&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

2. If this journal entry is in a foreign language, please feel free to
use an online translator such as Google Translator:

(http://translate.google.com/)

3. Also, please feel free to add a comment online about this update that
will be shared with the Field Partner:

http://www.kiva.org/app.php?page=businesses&action=comment&id=129730&ent=213685&_te=j

Argan Oil Benefits: Update on our loan to Luz En Desarrollo 1 & 2 Group in Dominican Republic

Cultural Connnections LLC, and Eden Allure 100% Pure Moroccan Argan Oil is happy to bring the following news from Kiva.org:

Dear Cultural Connections,

This is an update on your loan to Luz En Desarrollo 1 & 2 Group in
Dominican Republic.

Thanks to you and 41 other Kiva Lenders, the $1,375.00 loan requested by
JoaquinaAnitaYohannaEduvigesBelgicaVirginiaJuanaFeliciaMariaDaniela
in Dominican Republic has been 100% funded. The loan will be used for
the purpose of: to buy Christmas decorations to sell. Over the months of
this loan, Kiva’s Field Partner in Dominican Republic, Esperanza
International Dominican Republic, a partner of HOPE International, will
be collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=158746

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Baasanjav Dashzeveg in Mongolia

Dear Cultural Connections,

This is an update on your loan to Baasanjav Dashzeveg in Mongolia.
Thanks to you and 95 other Kiva Lenders, the $2,750.00 loan requested by
Baasanjav Dashzeveg in Mongolia has been 100% funded. The loan will be
used for the purpose of: to purchase food products to sell. Over the
months of this loan, Kiva’s Field Partner in Mongolia, XacBank, will
be collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160515

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Kiva Field Update - News from Mongolia

Dear Cultural Connections,

Thank you for supporting an entrepreneur in Mongolia.

Dear Lender,



As we enter the holiday season, XacBank would like to wish you a Merry
Christmas and a Happy New Year! Here's an e-card we created for you,
featuring XacBank's staff and Kiva borrowers: http://www.youtube.com/watch?v=Zqkvv532mFI



I'm Jane Lim, a Kiva Fellow who served for the last two and a half
months at XacBank, a Kiva Field Partner in Mongolia. My fellowship just
ended, and until a few days ago I was in Mongolia, experiencing the
bitter cold and breathing in the smoke that pervades the city of
Ulaanbaatar due to widespread coal burning by surrounding ger districts.
A ger is a traditional Mongolian tent, round and white, and very much a
part of modern Mongolia. In the middle of each ger is a rustic stove
used to burn fuel to warm the ger and to cook. The past few years have
seen a steep rise in pollution as ger districts and their accompanying
coal burning have rapidly grown due to an increased number of migrants
from the countryside.



In my last few days in Mongolia, it was a common lament by my colleagues
in XacBank's microfinance department that I would be missing their New
Year’s party. New Year’s parties in Mongolia are a huge
celebration—more than just an annual dinner and dance, these are
events for which people get decked out in their finest, more than any
other event in the year. When I visited Oyun Pildulam, a Kiva borrower
who works as a tailor right by XacBank's Chingeltey branch, her wall was
covered with custom-made fancy dresses for the New Year—sequins and
feathers galore with nary a hint of understatement.



Other tailors I've met are not as lucky as Oyun, who has five employees
and gives classes to aspiring tailors. Gantuya Narmandah, another Kiva
borrower I met, struggles to find stalls willing to sell the products
she sews in her home. She lost her job in a sewing factory after the
collapse of socialism in Mongolia in 1990. Many industries were
privatized following the introduction of democracy, and in the process,
many Mongolians lost their state jobs and turned to running their own
microenterprises. Gantuya wasn't the first or last Kiva borrower I met
who cited the impact of the change in political systems. Tsend-Ayush
Lhagva used to work as a truck driver, but after dabbling with different
small businesses, she has settled on making Mongolian boots and is
finding it to be the most profitable thing she has done. In my short
time in Mongolia, I had the good fortune to meet a wide variety of Kiva
borrowers and learned that they can be extremely diverse, yet similar.



Here's a video featuring Gantuya: http://www.youtube.com/watch?v=R_fVmg68PBg



Unlike many other Kiva Field Partners, XacBank is a registered
commercial bank. XAC LLC started in 1998 with funding from the United
Nations Development Programme and was Mongolia's first registered
non-bank financial institution. It later merged with another non-bank
financial institution to form XacBank, and then started commercial
operations. Despite being a commercial bank, XacBank has never wavered
in its social mission; it can be argued that its commercial
profitability has given it the ability to design and implement
initiatives that benefit the poor.



While I was at XacBank, I got to know two of these initiatives at a
deeper level. Both struck me as relevant and practical. The first is the
franchising of savings and credit cooperatives (SCCs). Because Mongolia
is sparsely populated, the cost of reaching borrowers in rural areas is
high. It is not economically viable for XacBank to open an extensive
number of branches throughout Mongolia, so the bank has decided to help
strengthen local SCCs in order to aid the rural community. XacBank
currently supports local SCCs by providing training, expertise and
wholesale loans; it is also planning to provide mobile banking, leasing
and micro-insurance via SCCs. The good thing about franchised SCCs is
that SCC members keep their own profits, which further enrich the local
community.



The other initiative is the introduction of eco-loans. In order to
mitigate the pollution brought about by coal burning in winter, XacBank
has introduced loans for subsidized environmentally friendly products
such as energy efficient stoves and ger blankets. Ger blankets are an
alternative form of insulation that wraps around a ger, keeping it warm
without the need to burn fuel. Eco-loans were introduced this winter and
XacBank hopes they will be popular.



To keep track of XacBank's latest innovations and initiatives, please
join our lending team: www.kiva.org/team/xacbank_mongolia



Having worked at XacBank for the past few months, I have witnessed the
potential the bank has to expand and refine its services to increase
profitability as well as to aid the poor. XacBank values its partnership
with Kiva not just because Kiva lends at a 0% interest rate and accepts
borrower defaults, but also because the organization, like Kiva lenders,
attaches value to the human connection.



To share this enthusiasm with XacBank's Kiva borrowers, we created a
video to illustrate to them in their language how the Kiva process
works. Here is an English version of the same video: http://www.youtube.com/watch?v=wiXu1ICaz_Y



XacBank became a Kiva partner in January 2009 and, with your help, has
since fundraised over US$1 million on Kiva, and has administered loans
to over 1,000 Kiva borrowers. We hope that you will continue your
support of Kiva and XacBank in 2010 and beyond—a little goes a long
way!



Cheers,



Jane Lim (KF9)



http://www.youtube.com/watch?v=Zqkvv532mFI

http://www.youtube.com/watch?v=R_fVmg68PBg

http://www.youtube.com/watch?v=wiXu1ICaz_Y

Update on our loan to Cherish Cinense's Group in Philippines

Dear Cultural Connections,

This is an update on your loan to Cherish Cinense's Group in
Philippines.

Thanks to you and 52 other Kiva Lenders, the $2,100.00 loan requested by
Cherish CinenseLauriana RamosAvelina RiveraCarmina
PaltingMarilyn RamosMarilou PerezZenaida
ManarangDaisylyn AboboAnalyn RamosNena NagumRuth
TuliaoPerlita VallecilloArnel Bernardo in Philippines has been
100% funded. The loan will be used for the purpose of: To purchase
additional products to sell. Over the months of this loan, Kiva’s
Field Partner in Philippines, Alalay sa Kaunlaran, Inc. (ASKI), will be
collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=158514

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Jerusalen Group in Bolivia

Dear Cultural Connections,

This is an update on your loan to Jerusalen Group in Bolivia.

Thanks to you and 88 other Kiva Lenders, the $3,275.00 loan requested by
MARTHAMALENAENCARNACIONISABELTEREZAELIAYOLANDAADELAMARIA
ROSARIODELSYELISAEVELIN in Bolivia has been 100% funded.
The loan will be used for the purpose of: Increase working capital. Over
the months of this loan, Kiva’s Field Partner in Bolivia, Fundación
AgroCapital, a partner of ACDI/VOCA, will be collecting repayments from
this entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160841

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Kiva Field Update - News from Dominican Republic

Dear Cultural Connections,

Thank you for supporting an entrepreneur in Dominican Republic.

Thank you so much for supporting an entrepreneur from the Dominican
Republic or Haiti! As a Kiva Fellow, I have spent the last three months
working with Kiva’s Field Partner Esperanza International, visiting
borrowers and writing updates about their businesses.

As you may know, all borrowers’ profiles are posted on Kiva’s
website with the help of microfinance institutions (MFIs) such as
Esperanza. With several branch offices located in the rural areas of
these two countries, Esperanza reaches entrepreneurs in the most remote
and undeserved communities. This makes possible the connection between
Kiva lenders and borrowers in some of the neediest areas of the
Dominican Republic.

Most of the loans Esperanza International disburses are group loans,
inspired by the Grameen method, which consists of making a loan to a
group of people living in the same community, after providing them with
a short training program that includes basic business advice and
training about the Esperanza program. All the borrowers from the group
are bound to pay together, and the repayment meetings that are led in
the communities help strengthen the links between local entrepreneurs.
It is not uncommon for neighbors to attend these meetings and decide to
join the groups to start a new project, or strengthen an existing one
through a loan.

Esperanza is a strong supporter of the idea of mutual support and local
initiatives to lift whole communities out of poverty. For instance, the
institution recently started to run literacy programs in many of the
communities they work with. These programs are led by the most educated
among its borrowers. Esperanza has also been supporting local projects,
such as a school that was created by one of its long term borrowers,
named Milàn.

I had the unique chance to meet Milan and visit her school. She was just
back from a trip across the United States (her first time out of the
Dominican Republic) to tell her story. Milàn took out a loan from
Esperanza in 1998 that allowed her to increase the income from her
clothing business. Like many Esperanza borrowers, she was selling
clothes on the street. Milan felt that she wanted to do something for
the children of her neighborhood who didn’t have the opportunity to go
to school, so she started a little school inside her house, providing
children with basic literacy lessons, and a meal at lunch. Milan
continued her clothing business and from the income generated, she could
expand her school, until she reached 100 students (divided in two
classes of 50 students on morning and afternoon). As her project was
taking shape, she received further financial support from Esperanza and
other non-profit organizations. The school I visited is a 2 story
building, with eight classrooms, a library and computer room. Almost 500
students are attending the school, and follow an education program
acknowledged by the Dominican ministry of Education, provided by 17
teachers (working part-time). Meanwhile, Milan has been able to complete
her own education that she had left shortly before reaching high school.
She is now about to get an advanced education degree that will certify
her as a principal.

Recently, I was visiting a group of borrowers, who took their first loan
funded by Kiva lenders. Maria, and one of the women of the group had a
very similar story to Milan’s. Besides her clothing and home
accessories business, she runs a local school, in her house, where she
is the teacher of a class of 15 preschool children aged from 3 to 5. She
is a well respected woman in her community. Her neighbors call her “la
profesora” (the teacher). Although her activity as a teacher is not a
source of income, it definitely is a great motivation for her to succeed
in her business. Maria has recently added new products to her home
accessories such as aromatic candles that she hopes will increase her
sales during Christmas time.

Thanks to their commitment to reach the most isolated communities, and
the indispensable financial support they receive from Kiva lenders,
Esperanza may be fostering, through Maria, a new local project that will
bring great benefits to the community.

Let’s wish Maria and all of Esperanza’s borrowers great success in
their attempt to improve their life condition and access to education in
the Dominican Republic. For this reason I entreat all of you who have
lent to Esperanza International in the past to continue doing so, and
continue to support this worthy project!

Update on our loan to Khun Savorn in Cambodia

Dear Cultural Connections,

This is an update on your loan to Khun Savorn in Cambodia.

Thanks to you and 28 other Kiva Lenders, the $1,200.00 loan requested by
Khun Savorn in Cambodia has been 100% funded. The loan will be used for
the purpose of: buy more groceries to stock her store. Over the months
of this loan, Kiva’s Field Partner in Cambodia, CREDIT, a partner of
World Relief, will be collecting repayments from this entrepreneur and
posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=162600

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Awoyovi Mawunédi Adandogou in Togo

Dear Cultural Connections,

This is an update on your loan to Awoyovi Mawunédi Adandogou in Togo.

Thanks to you and 34 other Kiva Lenders, the $1,175.00 loan requested by
Awoyovi Mawunédi ADANDOGOU in Togo has been 100% funded. The loan will
be used for the purpose of: Grocery items to sell. Over the months of
this loan, Kiva’s Field Partner in Togo, Women and Associations for
Gain both Economic and Social (WAGES), will be collecting repayments
from this entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=158873

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Balel Group in Mali

Dear Cultural Connections,

This is an update on your loan to Balel Group in Mali.

Thanks to you and 49 other Kiva Lenders, the $1,425.00 loan requested by
Sanata TangaraAssétou Traoré Wassa MarikoKadiatou
DiarraYahourou Coulibaly in Mali has been 100% funded. The loan
will be used for the purpose of: The purchase of various items.. Over
the months of this loan, Kiva’s Field Partner in Mali, Soro Yiriwaso,
a partner of Save the Children, will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160284

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Gloria in Peru

Dear Cultural Connections,

This is an update on your loan to Gloria in Peru.

Thanks to you and 43 other Kiva Lenders, the $1,200.00 loan requested by
Gloria in Peru has been 100% funded. The loan will be used for the
purpose of: buying umbrellas and waking canes to sell on the street.
Over the months of this loan, Kiva’s Field Partner in Peru,
Asociación Arariwa, will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160126

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Orchidée Plus Group in The Democratic Republic of the Congo

Dear Cultural Connections,

This is an update on your loan to Orchidée Plus Group in The Democratic
Republic of the Congo.

Thanks to you and 70 other Kiva Lenders, the $4,400.00 loan requested by
Alain IthaDénise EwongaOlga KisaluLili
MadiekaMazandu MieziPétronie MujingaMutondo
BikeMadeleine NsimbaSophie NgalulaElysée
BaniekaJeannette BitotaNaomie KuamaAnnette
LukomboPauline MpembaAgnès NgoyaMicho PiebeMarie
AtatoMarie BokefeleMimi KaminaJean KimbanzaThérèse
MbalayaAimé MokiliNathalie NgomaMimie AtubunaNico
EkumaGilbert KabongoWivine KangaRose KatungeHélène
MatondoMonfo MiraAnne NdunduHélène NsambaNadine
Owamba in The Democratic Republic of the Congo has been 100% funded. The
loan will be used for the purpose of: To purchase camera accessories to
resell in order to reinforce working capital.. Over the months of this
loan, Kiva’s Field Partner in The Democratic Republic of the Congo,
HOPE DRC, a partner of HOPE International, will be collecting repayments
from this entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160395

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Galina Vovk in Ukraine

Dear Cultural Connections,

This is an update on your loan to Galina Vovk in Ukraine.

Thanks to you and 47 other Kiva Lenders, the $1,525.00 loan requested by
Galina Vovk in Ukraine has been 100% funded. The loan will be used for
the purpose of: To increase her working capital. Over the months of this
loan, Kiva’s Field Partner in Ukraine, HOPE Ukraine/Nadiya, a partner
of HOPE International, will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160613

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Filyaz Mammadova in Azerbaijan

Dear Cultural Connections,

This is an update on your loan to Filyaz Mammadova in Azerbaijan.

Thanks to you and 68 other Kiva Lenders, the $2,000.00 loan requested by
Filyaz Mammadova in Azerbaijan has been 100% funded. The loan will be
used for the purpose of: To purchase three calves and fodder. Over the
months of this loan, Kiva’s Field Partner in Azerbaijan, Aqroinvest
Credit Union, will be collecting repayments from this entrepreneur and
posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160435

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Almaz Eyvazova in Azerbaijan

Dear Cultural Connections,

This is an update on your loan to Almaz Eyvazova in Azerbaijan.

Thanks to you and 58 other Kiva Lenders, the $2,000.00 loan requested by
Almaz Eyvazova in Azerbaijan has been 100% funded. The loan will be used
for the purpose of: To purchase 10 sheep and one calf. Over the months
of this loan, Kiva’s Field Partner in Azerbaijan, Aqroinvest Credit
Union, will be collecting repayments from this entrepreneur and posting
progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160433

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Aminah in Lebanon

Dear Cultural Connections,

This is an update on your loan to Aminah in Lebanon.

Thanks to you and 32 other Kiva Lenders, the $1,000.00 loan requested by
Aminah in Lebanon has been 100% funded. The loan will be used for the
purpose of: To purchase an additional sewing machine. Over the months of
this loan, Kiva’s Field Partner in Lebanon, Ameen s.a.l., will be
collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=154744

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Soba Soba Nambozo Sulaina Group in Uganda

Dear Cultural Connections,

This is an update on your loan to Soba Soba Nambozo Sulaina Group in
Uganda.

Thanks to you and 55 other Kiva Lenders, the $1,725.00 loan requested by
Sulaina NambozoSafina DangoSarah Watsusi Hazida
NamusiroAfusa Okoba in Uganda has been 100% funded. The loan will
be used for the purpose of: To purchase inventory for her shop. Over the
months of this loan, Kiva’s Field Partner in Uganda, BRAC Uganda, will
be collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=158680

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to C4352 Berwa Group in Rwanda

Dear Cultural Connections,

This is an update on your loan to C4352 Berwa Group in Rwanda.

Thanks to you and 44 other Kiva Lenders, the $1,500.00 loan requested by
Vincent RangiraBeatrice MukantabanaAgnes
MbonimanaJosephine MukakaberaIgnace RangiraFlorien Minani
in Rwanda has been 100% funded. The loan will be used for the purpose
of: Sewing machines. Over the months of this loan, Kiva’s Field
Partner in Rwanda, Vision Finance Company s.a. (VFC), a partner of World
Vision International, will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160227

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Raquel Yamilet Cortez Ortiz in Nicaragua

Dear Cultural Connections,

This is an update on your loan to Raquel Yamilet Cortez Ortiz in
Nicaragua.

Thanks to you and 40 other Kiva Lenders, the $1,200.00 loan requested by
Raquel Yamilet Cortez Ortiz in Nicaragua has been 100% funded. The loan
will be used for the purpose of: to enlarge products' offer. Over the
months of this loan, Kiva’s Field Partner in Nicaragua, AFODENIC, will
be collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=161523

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Fiona Mwanga's Group in Uganda

Dear Cultural Connections,

This is an update on your loan to Fiona Mwanga's Group in Uganda.

Thanks to you and 107 other Kiva Lenders, the $3,450.00 loan requested
by Fiona MwangaRuth BategaEdith SemalemoMichael
KakolwaHadijja NakamiFlorence MwangaScovia
NakatoHarriet NabetaJohn MusanaJanefer KintuDavid
TigawalanaMwesigwa Katongole in Uganda has been 100% funded. The
loan will be used for the purpose of: Restocking her drug shop with more
medicines.. Over the months of this loan, Kiva’s Field Partner in
Uganda, Pearl Microfinance Limited, will be collecting repayments from
this entrepreneur and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=160567

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Balimaya Group in Mali

Dear Cultural Connections,

This is an update on your loan to Balimaya Group in Mali.

Thanks to you and 22 other Kiva Lenders, the $700.00 loan requested by
FATOUMATA DIARRAFANTA DIAWARAKOROTOUMOU SAMAKEARAMATOU
BERTHE in Mali has been 100% funded. The loan will be used for the
purpose of: purchase of shoes. Over the months of this loan, Kiva’s
Field Partner in Mali, Soro Yiriwaso, a partner of Save the Children,
will be collecting repayments from this entrepreneur and posting
progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=155762

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Nada in Lebanon

Dear Cultural Connections,

This is an update on your loan to Nada in Lebanon.

Thanks to you and 71 other Kiva Lenders, the $2,000.00 loan requested by
Nada in Lebanon has been 100% funded. The loan will be used for the
purpose of: To purchase shoes for her shop.. Over the months of this
loan, Kiva’s Field Partner in Lebanon, Al Majmoua Lebanese Association
for Development, will be collecting repayments from this entrepreneur
and posting progress updates on the Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=154686

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Chhet Lem in Cambodia

Dear Cultural Connections,

This is an update on your loan to Chhet Lem in Cambodia.

Thanks to you and 41 other Kiva Lenders, the 1200.00 loan requested by
Chhet Lem in Cambodia has been 100% funded. The loan will be used for
the purpose of: To buys rice at cheapest price from farmers and they
propose to sell it when the rice is commanding highest price. Over the
months of this loan, Kiva’s Field Partner in Cambodia, Hattha Kaksekar
Limited (HKL), a partner of Save the Children, will be collecting
repayments from this entrepreneur and posting progress updates on the
Kiva website.

You can view the loan profile here:

http://www.kiva.org/app.php?page=businesses&action=about&id=151551

Thanks for lending to the world's working poor on Kiva!

Best Wishes, Kiva Staff

Update on our loan to Dado Denise Avonyo in Togo

Dear Cultural Connections,

This is an update on your loan to Dado Denise Avonyo in Togo. Thank you
for your loan. It has been disbursed to Dado Denise Avonyo by Women and
Associations for Gain both Economic and Social (WAGES) in Togo. We are
excited to watch this business grow. Over the 12 months of this loan,
Women and Associations for Gain both Economic and Social (WAGES) will be
collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Togo by Kiva's Field Partner, Women and
Associations for Gain both Economic and Social (WAGES). If you
appreciate this update, please consider supporting another entrepreneur
listed by this Field Partner. You can view other fundraising loans of
Women and Associations for Gain both Economic and Social (WAGES) here:

http://www.kiva.org/app.php?page=businesses&partner_id=111&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Mary in Ghana

Dear Cultural Connections,

This is an update on your loan to Mary in Ghana. Thank you for your
loan. It has been disbursed to Mary by Sinapi Aba Trust (SAT) in Ghana.
We are excited to watch this business grow. Over the 6 months of this
loan, Sinapi Aba Trust (SAT) will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Ghana by Kiva's Field Partner, Sinapi Aba
Trust (SAT). If you appreciate this update, please consider supporting
another entrepreneur listed by this Field Partner. You can view other
fundraising loans of Sinapi Aba Trust (SAT) here:

http://www.kiva.org/app.php?page=businesses&partner_id=88&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Zaynab in Lebanon

Dear Cultural Connections,

This is an update on your loan to Zaynab in Lebanon. Thank you for your
loan. It has been disbursed to Zaynab by Al Majmoua Lebanese Association
for Development in Lebanon. We are excited to watch this business grow.
Over the 12 months of this loan, Al Majmoua Lebanese Association for
Development will be collecting repayments from this entrepreneur and
posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Lebanon by Kiva's Field Partner, Al
Majmoua Lebanese Association for Development. If you appreciate this
update, please consider supporting another entrepreneur listed by this
Field Partner. You can view other fundraising loans of Al Majmoua
Lebanese Association for Development here:

http://www.kiva.org/app.php?page=businesses&partner_id=77&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Eduarda in Peru

Dear Cultural Connections,

This is an update on your loan to Eduarda in Peru. Thank you for your
loan. It has been disbursed to Eduarda by Microfinanzas Prisma in Peru.
We are excited to watch this business grow. Over the 12 months of this
loan, Microfinanzas Prisma will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Peru by Kiva's Field Partner,
Microfinanzas Prisma. If you appreciate this update, please consider
supporting another entrepreneur listed by this Field Partner. You can
view other fundraising loans of Microfinanzas Prisma here:

http://www.kiva.org/app.php?page=businesses&partner_id=71&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Miraluna Sario in Philippines

Dear Cultural Connections,

This is an update on your loan to Miraluna Sario in Philippines. This
journal has a video! Check out
http://www.youtube.com/watch?v=ix_E7RLbkbo

In the attached short video, Miraluna narrates how her life has improved
and continues to improve with the help of NWTF-Project Dungganon, and
now her Kiva lenders.

She explains how her life was before NWTF-Project Dungganon - she did
not own a house and she did not have sufficient income. But through her
efforts and with the help of NWTF-PD, she was able to start a
sustainable business which she slowly expanded - from just a "sari-sari"
or general store to selling the fish catch of the day of her motorized
fishing boat. She also shares that nothing is wasted as she dries the
fish that she cannot sell so that it won't spoil - mostly the "Danggit"
fish which is a very popular breakfast food in the islands. She says
that she regularly sends stocks of dried fish to other towns and even to
Bacolod to her regular customers.

Life has not been always up for Miraluna and her family. Through her
efforts she was able to build a house, but it recently burned down, so
she had to start from scratch again. Miraluna is now slowly buying and
setting aside wood and other building materials with the profits from
her business so that she could rebuild her house in the near future.

Miraluna is shown in the video with a few of the fish catch that she had
not yet sold to her regular customers when the NWTF-PD loan officer
visited her.

Additional notes from Kiva:

1. This update was posted from Philippines by Kiva's Field Partner,
Negros Women for Tomorrow Foundation, Inc. (NWTF). If you appreciate
this update, please consider supporting another entrepreneur listed by
this Field Partner. You can view other fundraising loans of Negros Women
for Tomorrow Foundation, Inc. (NWTF) here:

http://www.kiva.org/app.php?page=businesses&partner_id=145&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Titilayo Daramola in Nigeria

Dear Cultural Connections,

This is an update on your loan to Titilayo Daramola in Nigeria. Thank
you for your loan. It has been disbursed to Titilayo Daramola by Lift
Above Poverty Organization (LAPO) in Nigeria. We are excited to watch
this business grow. Over the 8 months of this loan, Lift Above Poverty
Organization (LAPO) will be collecting repayments from this entrepreneur
and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Nigeria by Kiva's Field Partner, Lift
Above Poverty Organization (LAPO). If you appreciate this update, please
consider supporting another entrepreneur listed by this Field Partner.
You can view other fundraising loans of Lift Above Poverty Organization
(LAPO) here:

http://www.kiva.org/app.php?page=businesses&partner_id=20&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Mrs. Yoen Toey Village Bank Loan Group in Cambodia

Dear Cultural Connections,

This is an update on your loan to Mrs. Yoen Toey Village Bank Loan Group
in Cambodia. Thank you for your loan. It has been disbursed to Mrs. Yoen
Toey Village Bank Loan Group, consisting of Yoen Toey, On Huy, Sarem
Yem, Yut Chea, Na Lem, Mao Sokh, Nak Ouh, Un Sokh, Saroun Sareth,
Sokhoen Dem, Chanthea Hong, Dem Sokh, Praeng Kan, Ry Yan, Yoeun Pich,
Yen Sok, Sopheak Rors by Angkor Microfinance Kampuchea (AMK) in
Cambodia. We are excited to watch this business grow. Over the 11 months
of this loan, Angkor Microfinance Kampuchea (AMK) will be collecting
repayments from this entrepreneur and posting progress updates on the
Kiva website.

Additional notes from Kiva:

1. This update was posted from Cambodia by Kiva's Field Partner, Angkor
Microfinance Kampuchea (AMK). If you appreciate this update, please
consider supporting another entrepreneur listed by this Field Partner.
You can view other fundraising loans of Angkor Microfinance Kampuchea
(AMK) here:

http://www.kiva.org/app.php?page=businesses&partner_id=109&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Bulubandi East Babirye Zaija Group in Uganda

Dear Cultural Connections,

This is an update on your loan to Bulubandi East Babirye Zaija Group in
Uganda. Thank you for your loan. It has been disbursed to Bulubandi East
Babirye Zaija Group, consisting of Zaija Babirye , Florence Inditana,
Rose Namugere , Farida Naigaga , Kasifa Nabirye, Roy Nagobi by BRAC
Uganda in Uganda. We are excited to watch this business grow. Over the 9
months of this loan, BRAC Uganda will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Uganda by Kiva's Field Partner, BRAC
Uganda. If you appreciate this update, please consider supporting
another entrepreneur listed by this Field Partner. You can view other
fundraising loans of BRAC Uganda here:

http://www.kiva.org/app.php?page=businesses&partner_id=65&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Asomdwehene 2 Group in Ghana

Dear Cultural Connections,

This is an update on your loan to Asomdwehene 2 Group in Ghana. Thank
you for your loan. It has been disbursed to Asomdwehene 2 Group,
consisting of Angelina, Afia, Grace, Francis, Yaa, Gladys, Margaret by
Sinapi Aba Trust (SAT) in Ghana. We are excited to watch this business
grow. Over the 9 months of this loan, Sinapi Aba Trust (SAT) will be
collecting repayments from this entrepreneur and posting progress
updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Ghana by Kiva's Field Partner, Sinapi Aba
Trust (SAT). If you appreciate this update, please consider supporting
another entrepreneur listed by this Field Partner. You can view other
fundraising loans of Sinapi Aba Trust (SAT) here:

http://www.kiva.org/app.php?page=businesses&partner_id=88&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Ngô Thị Thu Hà's Group in Viet Nam

Dear Cultural Connections,

This is an update on your loan to Ngô Thị Thu Hà's Group in Viet
Nam. Thank you for your loan. It has been disbursed to Ngô Thị Thu
Hà's Group, consisting of Ngô Thị Thu Hà, Nguyễn Thị Lý, Hà
Thị Thanh, Trương Thị Phúc, Dương Thị Bảo, Trương Thị
Thủy by SEDA in Viet Nam. We are excited to watch this business grow.
Over the 11 months of this loan, SEDA will be collecting repayments from
this entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Viet Nam by Kiva's Field Partner, SEDA.
If you appreciate this update, please consider supporting another
entrepreneur listed by this Field Partner. You can view other
fundraising loans of SEDA here:

http://www.kiva.org/app.php?page=businesses&partner_id=85&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Miraluna Sario in Philippines

Dear Cultural Connections,

This is an update on your loan to Miraluna Sario in Philippines. Thank
you for your loan. It has been disbursed to Miraluna Sario by Negros
Women for Tomorrow Foundation, Inc. (NWTF) in Philippines. We are
excited to watch this business grow. Over the 5 months of this loan,
Negros Women for Tomorrow Foundation, Inc. (NWTF) will be collecting
repayments from this entrepreneur and posting progress updates on the
Kiva website.

Additional notes from Kiva:

1. This update was posted from Philippines by Kiva's Field Partner,
Negros Women for Tomorrow Foundation, Inc. (NWTF). If you appreciate
this update, please consider supporting another entrepreneur listed by
this Field Partner. You can view other fundraising loans of Negros Women
for Tomorrow Foundation, Inc. (NWTF) here:

http://www.kiva.org/app.php?page=businesses&partner_id=145&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Mrs. Phan Surn Group in Cambodia

Dear Cultural Connections,

This is an update on your loan to Mrs. Phan Surn Group in Cambodia.
Thank you for your loan. It has been disbursed to Mrs. Phan Surn Group,
consisting of Phan Surn, Chantha Chhil, Hoeurn Him, Phearom Phor, Yoeun
Nhoem, Torn Phoem by Angkor Microfinance Kampuchea (AMK) in Cambodia. We
are excited to watch this business grow. Over the 11 months of this
loan, Angkor Microfinance Kampuchea (AMK) will be collecting repayments
from this entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Cambodia by Kiva's Field Partner, Angkor
Microfinance Kampuchea (AMK). If you appreciate this update, please
consider supporting another entrepreneur listed by this Field Partner.
You can view other fundraising loans of Angkor Microfinance Kampuchea
(AMK) here:

http://www.kiva.org/app.php?page=businesses&partner_id=109&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Agnes in Ghana

Dear Cultural Connections,

This is an update on your loan to Agnes in Ghana. Thank you for your
loan. It has been disbursed to Agnes by Sinapi Aba Trust (SAT) in Ghana.
We are excited to watch this business grow. Over the 9 months of this
loan, Sinapi Aba Trust (SAT) will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Ghana by Kiva's Field Partner, Sinapi Aba
Trust (SAT). If you appreciate this update, please consider supporting
another entrepreneur listed by this Field Partner. You can view other
fundraising loans of Sinapi Aba Trust (SAT) here:

http://www.kiva.org/app.php?page=businesses&partner_id=88&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Kuña Aty Group in Paraguay

Dear Cultural Connections,

This is an update on your loan to Kuña Aty Group in Paraguay. Thank you
for your loan. It has been disbursed to Kuña Aty Group, consisting of
Juliana Britez de Sotelo, Celsa Rodas, Ma. Carmen Cardozo, Flora Báez,
Flavia Castillo, Alberta Rodas, Mercedes Ibarra, Agueda Leguizamón,
Jazmín Santander, Miguela Núñez, Victoria Denis, Ma. Lina González,
Lilian Benítez, Ma. Nicolasa Benítez, Emilia Rodas, Cipriana Pereira,
Celina Benítez by Fundación Paraguaya in Paraguay. We are excited to
watch this business grow. Over the 2 months of this loan, Fundación
Paraguaya will be collecting repayments from this entrepreneur and
posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Paraguay by Kiva's Field Partner,
Fundación Paraguaya. If you appreciate this update, please consider
supporting another entrepreneur listed by this Field Partner. You can
view other fundraising loans of Fundación Paraguaya here:

http://www.kiva.org/app.php?page=businesses&partner_id=58&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Chulduzoy Haitova in Tajikistan

Dear Cultural Connections,

This is an update on your loan to Chulduzoy Haitova in Tajikistan. Thank
you for your loan. It has been disbursed to Chulduzoy Haitova by MLF
MicroInvest, a partner of ACDI/VOCA in Tajikistan. We are excited to
watch this business grow. Over the 6 months of this loan, MLF
MicroInvest, a partner of ACDI/VOCA will be collecting repayments from
this entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Tajikistan by Kiva's Field Partner, MLF
MicroInvest, a partner of ACDI/VOCA. If you appreciate this update,
please consider supporting another entrepreneur listed by this Field
Partner. You can view other fundraising loans of MLF MicroInvest, a
partner of ACDI/VOCA here:

http://www.kiva.org/app.php?page=businesses&partner_id=47&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Silvia Verónica de Montano in El Salvador

Dear Cultural Connections,

This is an update on your loan to Silvia Verónica de Montano in El
Salvador. This journal has a video! Check out
http://www.youtube.com/watch?v=-8ItYZpEP6c

Dear Kiva Lender,

Thank you for supporting an entrepreneur in El Salvador! For the past
several months, I have been working as a Kiva Fellow (see http://www.kiva.org/about/fellows-program)
with Kiva’s Salvadoran field partner, Apoyo Integral. As you may know,
all entrepreneur profiles on Kiva’s website are posted by local Field
Partners (microfinance institutions), which are organizations that lend
to the working poor to help them lift themselves out of poverty. The
role of the Field Partner is to screen each entrepreneur, upload his or
her loan request onto the Kiva website, disburse the loan, and collect
repayments.

I would like to believe that the recent introduction to micro-lending
through organizations such as Apoyo Integral and Kiva has finally opened
doors for poor Salvadorans seeking to finance their businesses, homes,
and families’ future. However, one thing I have slowly learned is
that, in El Salvador at least, micro-finance’s most important
contribution to date may ultimately not be the offering of cash to El
Salvador’s poor but rather the gift of allowing them the dignity to be
held accountable. After a decade of civil war in the 1980s, which
attracted billions of dollars in foreign aid and has left over one
million Salvadoran immigrants (20 percent of El Salvador’s population)
working in the U.S. and sending five billion dollars a year back to
families, many Salvadorans have become accustomed to receiving financial
support. Not until recent years, however, have they been invited into a
formal contract to which they are asked to sign their own names, to give
their own word of honor.



My visits to struggling lenders such as Mercedes (http://www.kiva.org/app.php?page=businesses&action=about&id=40971&_tpos=1&_tpg=1)
remind me that even remittances and credit do not ensure a thriving
business and rarely cover the risks of not having access to health
insurance. sufficient education, or a secure roof. Despite this, I was
often inspired by stories of success, most memorably when I visited
Lucy’s bakery (http://www.kiva.org/app.php?page=businesses&action=about&id=63109&_tpos=7&_tpg=1).
As a young single mother, Lucy has expanded her small bakery business
with the support of four small business loans from Apoyo Integral. Now,
with three full-time employees (mom, dad, and her younger sister), a
brand new industrial oven, and thousands invested in professional baking
tools, Lucy and her family are thinking about building a larger bakery
across the street to meet the overwhelming demand for their tasty
treats. Though Lucy’s success tends to be the exception rather than
the rule in El Salvador, her leadership and confidence in her role as an
entrepreneur (especially as a woman in Latin America) gives me hope that
micro-credit can be a source of economic - and cultural - independence
among El Salvador’s poor.



Through my experience working with Apoyo Integral and their partner
organization, the Salvadoran Foundation for Integral Development
(FUSAI), I quickly realized how the organizations focused beyond just
providing credit and charging interest. Both Apoyo Integral and FUSAI
use the savings on credit (graciously provided without interest from
Kiva lenders such as yourself) to pay for technical assistance services
for clients building their own homes, training micro-entrepreneurs and
youth in enterprise strategies, and even teaching a much-needed
accounting class here and there. You, a Kiva lender, are giving them the
financial resources; Apoyo Integral and FUSAI give them confidence; and
the entrepreneurs are individually responsible for making something
happen for their families and for El Salvador.



For a complete list of Apoyo Integral loans currently fundraising, click
here: http://www.kiva.org/app.php?page=businesses&partner_id=81&status=fundRaising&sortBy=New+to+Old&_te=mj.
Thank you again for supporting Kiva and micro-entrepreneurs in El
Salvador.



Saludos,



Sam Baker



Kiva Fellow 2009

Additional notes from Kiva:

1. This update was posted from El Salvador by Kiva's Field Partner,
Apoyo Integral. If you appreciate this update, please consider
supporting another entrepreneur listed by this Field Partner. You can
view other fundraising loans of Apoyo Integral here:

http://www.kiva.org/app.php?page=businesses&partner_id=81&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Selena Paulo in Samoa

Dear Cultural Connections,

This is an update on your loan to Selena Paulo in Samoa. Thank you for
your loan. It has been disbursed to Selena Paulo by South Pacific
Business Development (SPBD) in Samoa. We are excited to watch this
business grow. Over the 11 months of this loan, South Pacific Business
Development (SPBD) will be collecting repayments from this entrepreneur
and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Samoa by Kiva's Field Partner, South
Pacific Business Development (SPBD). If you appreciate this update,
please consider supporting another entrepreneur listed by this Field
Partner. You can view other fundraising loans of South Pacific Business
Development (SPBD) here:

http://www.kiva.org/app.php?page=businesses&partner_id=15&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Namulesa Twekembe Group in Uganda

Dear Cultural Connections,

This is an update on your loan to Namulesa Twekembe Group in Uganda.
Thank you for your loan. It has been disbursed to Namulesa Twekembe
Group, consisting of Jane Nakato, Sarah Ntulume, Dianah Namayanja ,
Karoli Ssenjuma , Ismail Mutyaba , Peninah Narruagalm , Florence Luwedde
, Grace Namuyiga , Joseph Lubanda , Betty Nayiga , Harriet Nakijoba ,
Rose Namusisi , Agatha Nakalema by Pearl Microfinance Limited in Uganda.
We are excited to watch this business grow. Over the 3 months of this
loan, Pearl Microfinance Limited will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Uganda by Kiva's Field Partner, Pearl
Microfinance Limited. If you appreciate this update, please consider
supporting another entrepreneur listed by this Field Partner. You can
view other fundraising loans of Pearl Microfinance Limited here:

http://www.kiva.org/app.php?page=businesses&partner_id=84&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Kibinda Kabwende in Tanzania

Dear Cultural Connections,

This is an update on your loan to Kibinda Kabwende in Tanzania. Thank
you for your loan. It has been disbursed to Kibinda Kabwende by Youth
Self Employment Foundation (YOSEFO) in Tanzania. We are excited to watch
this business grow. Over the 11 months of this loan, Youth Self
Employment Foundation (YOSEFO) will be collecting repayments from this
entrepreneur and posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from Tanzania by Kiva's Field Partner, Youth
Self Employment Foundation (YOSEFO). If you appreciate this update,
please consider supporting another entrepreneur listed by this Field
Partner. You can view other fundraising loans of Youth Self Employment
Foundation (YOSEFO) here:

http://www.kiva.org/app.php?page=businesses&partner_id=10&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j

Update on our loan to Silvia Verónica de Montano in El Salvador

Dear Cultural Connections,

This is an update on your loan to Silvia Verónica de Montano in El
Salvador. Thank you for your loan. It has been disbursed to Silvia
Verónica de Montano by Apoyo Integral in El Salvador. We are excited to
watch this business grow. Over the 18 months of this loan, Apoyo
Integral will be collecting repayments from this entrepreneur and
posting progress updates on the Kiva website.

Additional notes from Kiva:

1. This update was posted from El Salvador by Kiva's Field Partner,
Apoyo Integral. If you appreciate this update, please consider
supporting another entrepreneur listed by this Field Partner. You can
view other fundraising loans of Apoyo Integral here:

http://www.kiva.org/app.php?page=businesses&partner_id=81&status=fundRaising&sortBy=New%2Bto%2BOld&_te=j