Find Your Passion

By
Home Stager with Design To Market LLC

Design To Market

It's Sunday night and I am fortunate enough to look forward to my work week.  Over 7 years ago I was bit by the entrepreneurial bug and started Design To Market.  We have been staging Cincinnati homes for over 7 years and at last count have staged over 1,000 homes.  I love what I do and I love what it lets me do!  Tonight I just made my 55th loan to Kiva.  According to Kiva's website they:

"empower individuals to lend to an entrepreneur across the globe. By combining microfinance with the Internet, Kiva is creating a global community of people connected through lending."

Thanks to my friend Michelle Minch with Moving Mountains Design who told me about Kiva's great work several years ago, I have been supporting entrepreneurs all over the globe with a consistent stream of small loans to entrepreneurs in countries where it is tough to run businesses because of limited access to capital.  Last month I even added the US as a country where I am supporting entrepreneurs through Kiva.  The only return a lender gets is the satisfaction that they are helping a fellow small business owners and the assurance that there is a 95% chance that the loan will be paid back and that it can be reloaned to someone else.  In my book that is a great return!

If you are as fortunate as I have been in working hard and being sucessful enough to lend a hand to a worthy organization...look around and find your passion and lend them a hand too! 

Design To Market has been staging homes throughout Greater Cincinnati since 2004.  For more information about our servies call us at 513-265-0952.

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Rainer
145,246
Sarasota & Manatee Counties FL
SaraMana Properties - QuickFreeMLS.com - Bradenton, FL
QuickFreeMLS.com - Listings In Paradise

I'm curious . . . of the 55 loans you've made, how many have been paid back?

February 21, 2011 12:16 AM #1
Rainmaker
111,503
Jo Potvin
Design To Market LLC - Cincinnati, OH
Home Staging Cincinnati - Design To Market

Believe it or not the default rate is only 1.55% and the delinquency rate is 3.21%.  My impression is that these borrowers are very proud to be represented by the microfinance companies that represent them and they work very hard to be diligent in paying back.  

February 21, 2011 12:19 AM #2
Rainer
28,152
Christopher Taylor
Corpus Christi, TX

How interesting, had never hear of Kiva, but going to Google it and find out some more.

February 21, 2011 12:25 AM #3
Rainmaker
83,473
Samantha Davault
DFW Urban Realty - Fort Worth, TX
Fort Worth, TX

Jo, I love the idea of Kiva and the other micro loan organizations.  It is a great way to enable others to start or grow their own business and it is so easy with so little risk. 

February 21, 2011 12:49 AM #5
Rainmaker
111,503
Jo Potvin
Design To Market LLC - Cincinnati, OH
Home Staging Cincinnati - Design To Market

It is a great feeling to help fellow entrepreneurs in other countries.

February 21, 2011 08:10 AM #6
Ambassador
1,439,557
Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Jo- I did not know about Kiva but just visited their website to learn about it.  Congratulations to you for giving back what you have been so fortunate to receive.  I've suggested this so that others may learn of Kiva.

February 21, 2011 02:19 PM #7
Rainmaker
174,527
Michelle Finnamore
in Vaughan and Toronto GTA - Vaughan, ON
Preparing your property for sale

Hi Jo, it's all about a hand up not a hand out. Your deliquency rate tells the whole story. There are people who want to succeed in life, they just need a break. Great work that you are involved with.

February 21, 2011 06:13 PM #8
Rainer
237,553
Janet Jones
Just Your Style Interiors, LLC - Kihei, HI
Home Staging, Interior Redesign Kihei, Maui, Hawaii

Jo--Thank you for this post and bring Kiva to our attention.  I am going to check it out right now.  I love the concept and had never of it before your post. 

February 21, 2011 07:37 PM #9
Rainmaker
309,434
Michelle Minch
Moving Mountains Design Home Staging, Pasadena, CA - Los Angeles, CA
Home Staging Los Angeles & Pasadena, CA

Hi Jo: My husband and I have made over $40,000 in Kiva loans over the past few years. We keep lending the same money over and over once it has been paid back. We had a spate of loans that weren't paid back from one country that was experiencing civil unrest, but slowly the money is trickling back in again. Mostly the money gets paid back quickly, before the loan comes due. I think so many Kiva loans are paid back because the entrepreneurs that receive the loans also receive support and training in good business practices.

You can start making loans with very little money. Sometimes people are only asking for $25 to buy shoe making supplies or parts for a broken loom. Having a working sewing machine can mean the difference between being able to supply nutritious food for your family or going hungry.

Thanks for sharing what you know about Kiva, Jo.

February 23, 2011 09:27 PM #10
Rainmaker
111,503
Jo Potvin
Design To Market LLC - Cincinnati, OH
Home Staging Cincinnati - Design To Market
Michelle, wow! I am so impressed with your generosity and your commitment to kiva. It is daunting to think how hard those entrepreneurs must work to recover from instability in their countries.
February 23, 2011 09:45 PM #11
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Rainmaker
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Jo Potvin

Home Staging Cincinnati - Design To Market
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