We believe it is important for those of us privileged to live in a country like Australia to share our good fortune with others not so fortunate.

With every new website project we donate to KIVA, a not-for-profit which enables people in developing countries to access micro loans to establish or grow a business. KIVA has loaned $1.3 billion across 80 countries.

Red&Crew is currently supporting the following people who have applied for a micro loan with KIVA:


Parizat is 40 years old, married with seven children. Parizat has been doing crop cultivation and livestock breeding which is main source of income for her family.

Due to her hard work and approach to the business Parizat was able to grow her farm to 4 cows, 20 sheep and 2.34 ha of land. She also grows alfalfa and barley.

Parizat applied for a loan to buy cattle to increase income from cattle breeding.


Donika is a 48-year-old woman from a village in southeastern Albania. She lives with her old and disabled mother in her grandparents’ house. Donika works in agriculture for a living, selling 30 litres of raw milk daily and three calves each year. She also plants different vegetables.

Donika has applied for a loan to make some repairs to her old bathroom so it will be more comfortable for her disabled mother.



Lorenza is 37 years old and has three children. She is married and two of her children are in school.

She has a fishing business in the Philippines for three years now. She requested a PHP 10,000 loan through NWTF to buy feeds and other supplies to raise her livestock.

In the future, she would like to build and expand her business to secure the future of her family.



Seetha is a 38-year-old married woman residing in Pondicherry. She has a household of three members with a monthly household income of 18,000 INR.

An increase in her income will ensure greater economic independence. So she wants to start a dairy business selling butter, milk, cheese, etc., but she is unable to due to financial constraints.

She has applied for a loan of 25,000 INR from Bharathi Women Development Centre.



Mimin is 39 years old and married with one daughter and one son. She is a housewife taking care of her family. Her husband has been working as a laborer for fifteen years, and is the only breadwinner in the family. Their income is barely enough to provide for their basic needs and they would like to improve their living conditions for their children.

Today Mimin’s family has no access to a water source in their home and must rely on the river for bathing.

Mimin has asked for a loan of 8,300,000 IDR which will be used to build a satellite pump to get clean water.



Victoria is a 63-year-old married woman with six children with an agricultural business farming seaweed in the Philippines.

She requested a PHP 20,000 loan to buy plastic bags and other supplies needed in her business.

Victoria has been farming seaweed for 20 years now, and has borrowed 4 times in the past from NWTF to sustain her business.

In the future, Victoria would like to save enough to provide a secure future for her family.



Oshin is a 25 year old woman who attends the university. She lives in a relative’s house in the city of Santa Cruz de la Sierra in Bolivia. She is third from the right in this group photo.

Oshin is a hard-worker who has been working ever since she was very little in order to pay for her education and necessities. She sells non-alcoholic drinks such as fruit juices, shakes, and multi-vitamin juices. She prepares the drinks at her house, and she sells them at all of the markets in her area.

She requested a loan to buy fruits and products to be able to make her juices. She is hoping to be able to buy her own house and to have her own place to sell her juices.



Kalyicha is 67 years old and married, mother to 7 children. Kalyicha has a high-school education and has been raising crops and animals as the primary income for her family.

Thanks to her hard work, her farm currently has 3 cows, 5 sheep, and one horse. She has a contract to supply organic milk to a local plant for further processing into dairy products. This allows her to continuously invest in her agriculture business.

Kalyicha has applied for a loan of 50,000 som (KGS) to buy a diary cow to increase her milk sales. The income from the loan will help her grow the farm in the future and complete construction on her home.



Ann, 28, is a young widow who is raising two children aged 10 and 5 on her own. To support her family, she runs a tailoring business, and she also sells various types of cloths. It helps her educate her kids and meet their basic needs.

Ann is requesting a loan of $450 to help boost her business in a bid to take advantage of the festive season that is normally accompanied by improved business. She will use her loan to repair her machine and add stock of tailoring materials and more colourful designs of fabric, which she plans to pay back using the profits from her business. Her dream is to grow her business and get huge tenders in the future, such as supplying school uniforms, as well as to create jobs in the process.



This mother’s name is Ma’ata. She is married to a carpenter with six children. They are living at their own two bedroom house, with the boys having their little hut outside the big house, while the girls share a room.

Ma’ata’s daily routine is making kiekie and selling it at the different markets. She also sells her kiekie through social media, where she receives many buyers. Her daughters help her with her business by braiding the materials for their mother to make the kiekie. In a week, she can make five to six kiekie, from hibiscus materials. She also makes kiekie from coconut materials, but it costs more. Ma’ata wants to make sure that her business operates very well so that it can provide for her family.

With this loan, she will be able to buy materials for her business and also to renovate their bathroom to a better situation.



Siminyu has been working alongside One Acre Fund since 2015 and, although she is the only person featured in the above picture, she is actually representing her group of 13 farmers in Kakamega B (North) District, Kenya.

This loan will not only help Siminyu but the whole group, who will receive maize seeds and fertilizer to plant a total of 17.625 acres of land. Additionally, some of the farmers in the group will be purchasing a solar light so, with this loan, the group will also receive a total of six solar lights.

This loan is special because it supports smallholder farmers to purchase seeds and solar lanterns. A loan of $550 helps a member to gain access to cost efficient hybrid seeds and fertilizer for maize cultivation.



Sara is 21 years old. She is enterprising and dynamic. In order to earn an income to support her household economy, Sara decided to open a bar in San Pedro de Uraba municipality. Sara has a partner and children. She started this business two years ago.

Sara is applying for a loan to buy beer and chairs and tables. She can then prepare for the approaching holidays. With this loan, Sara can sustain her business and be more competitive in the market. She can also increase her number of customers and increase sales.

Sara, with a desire to do better, wants to have more stability.



This group, San Blas, was formed when friends and neighbours from the city of Pilar joined together. They seek the way to be able to improve their quality of life and that of their loved ones. They are in their 22nd loan cycle in the women’s committee program.

Felipa is one of the group. She is married and the mother of two children, both adults, whom she got ahead with great effort and sacrifice. She works making and selling sheets, quilts and towels and began in her living room with just one machine. Today, she has a small shop in her house where she has 3 industrial machines. She asks for this loan to be able to purchase fabric in bulk because she has several orders to fill.



Mrs. Hoa is 35 years old and she is married with four children. Hoa lives in Quang Xuong district, a coastal area in Thanh Hoa province.

She has had a retail business selling dry foods and general things. Over five years ago, she realised that the market’s need for essential goods was high, so she decided to open a small general store. She works hard to make enough money to send her children to school.

One of the most critical difficulties that concerns her is that their latrine is not hygienic. She is requesting a loan to purchase sand, cement, bricks and equipment and to pay wages for some labours to build a toilet.

Previous loan recipients