Mary Kasowa


Status: Paying Back - Delinquent

$175.00   Loan Amount
62% repaid

About the Entrepreneur

Name: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya
Activity: Food Production/Sales

About the Loan

Loan Amount: $175.00
Loan Use: Purchase of 2 sufurias (cooking pots) with lids, 1 big kettle, 1 pressure lamp, 2 big jikos (local cooking stoves), 2 trays and 2 thermos flasks
Repayment Term: 13 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: May 27, 2007
Date Disbursed: Jun 10, 2007
Date Funded:May 27, 2007

About the Country

Country:Kenya
Avg Annual Income:$1,445.00
Currency:Kenya Shillings (KES)
Exchange Rate:67.1336 KES = 1 USD



Mary is 48 years old and lives in Kianda village within the Kibera slums in Nairobi. She has been married to Simon for 26 years now and together they have six children, the last-born being 12 years od. They take care of two other children, Monica and Aaron. Monica’s dad succumbed to diabetes before her birth and she is now 20 years old. Aaron’s dad passed on when he was 3 years, and the mother had passed on earlier due to HIV.

Mary prepares porridge and sells it in jericans (plastic containers used for storage of liquids) in measures of mugs. She sells one mug of porridge at Ksh.10.00 (less than a dollar). She also sells "githeri" (a mixture of beans and maize). A serving of "githeri" sells at Ksh.10.00. Her main customers are people at construction sites and in hospitals.

Mary started her business eight years ago. Her husband was then working with a national bus service company and gave her the initial capital. She is a member of a merry-go-round women's group where they contribute ksh. 50.00 (slightly less that a dollar) every week. It is from this women's group that Mary got a boost to expand her business. She found it convenient because she could get small sums of money like Ksh.1000 (USD 15) without going through the bureaucracies of the formal commercial banks. She has always endeavored to expand her business. Her husband is a big motivation to her work. He has been very supportive. Since he has retired from the bus company he is very willing to help in the family business to see their children complete their formal education, the youngest being in class six.

Given a loan of USD 175 in kind, which is repayable within 10 -16 months, she will buy several items to improve her business including two sufurias with lids, one big kettle, one pressure lamp, two big jikos, two trays and two thermos flasks. Mary believes that these items will do wonders in her business. Firstly she will be able to run the business together with her husband, therefore expanding her market as well as income. On the other hand, buying thermos flasks will ensure that she does not have to warm the porridge all the time.


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Lenders to this entrepreneur

Kay
Columbia, MD KivaFriends.org
United States

Sam
Sarnia, Ontario
Canada

The Schwank Family
Temecula, CA
United States

Clyde and Dorothy
Wenden, AZ
United States

Red
Mankato, MN
United States

KST
Iowa City, IA
United States

Ronny
Parker, CO
United States



Journal entries for Mary Kasowa


Loan has been disbursed
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Thank you for your loan. It has been disbursed to Mary Kasowa by Action Now: Kenya in Kenya. We are excited to watch this business grow. Over the next 10 - 16 months, Action Now: Kenya will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by Irene Kamau from Kibera Slums, Nairobi, Kenya
Jun 27, 2007
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Mary's Popular Githeri
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Down the winding paths of Kibera, past the children playing, at the bottom of a hill you will find Mary and her thriving business. With her Kiva loan Mary has been able to purchase some of the equipment shown here, that has enabled her to greatly improve her ability to make increasing quantities of the githeri (a very popular Kenyan dish made up of beans and maize). As you enter the house, you pass by one of the huge sufurias (huge metal cooking pot) bubbling away with the day’s beans for the dinner crowd. Since her loan, Mary has been able to now service 3 locations within Kibera, she caters to the young bachelor crowds who often work long days on the matatus, and want something hot and cheap for their dinner.

Mary’s business is going well, and she is able to employ 3 assistants to help to cook and then sell the githeri. At the end of the day, Mary brings in about Ksh 250 (about $4) from her business. However, one of the challenges Mary faces is the fluctuating price of her raw goods that she purchases from the shops within Kibera. Sometimes she struggles, and finds it difficult to purchase the beans and maize when the price has gone too high. Unfortunately the catch 22 is that Mary could not put up the price of her meals, since people in Kibera would simply refuse to pay more than Ksh 20 (about 30 cents ) for a cup of githeri, so Mary, like all the other people in the food industry in Kibera, must bear the cost of the fluctuating prices to the detriment of their income.


Posted by Kerry Brandon from Kibera Slums, Nairobi, Kenya
Aug 15, 2007
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update! Oct 11, 2007
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary makes regular loan repayments and she would like to thank the Kiva lenders for the support. With the purchase of the kitchen equipment, her business has grown steadily and she is able to meet the demand of her clients. She is looking forward to another loan from Kiva after she finishes with this one. She would like to personally thank her lenders, "may God bless them abundantly."


Posted by Agnes Mutuku from Kibera Slums, Nairobi, Kenya
Oct 11, 2007
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update! Oct 11, 2007
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary makes regular loan repayments and she would like to thank the Kiva lenders for the support. With the purchase of the kitchen equipment, her business has grown steadily and she is able to meet the demand of her clients. She is looking forward to another loan from Kiva after she finishes with this one. She would like to personally thank her lenders, "may God bless them abundantly."


Posted by Agnes Mutuku from Kibera Slums, Nairobi, Kenya
Oct 11, 2007
Comments (1)

Sailng Through Rough Times
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary Kasowas business is doing well though in the month of November Mary lost a relative and she had to chip in some cash towards the burials,she was also blessed with a grandchild and with all this happenings Mary was able to repay her loan.,shes very grateful to all her lenders.Parting shot from Mary and her family is 'MERRY X-MAS AND A HAPPY NEW YEAR 2008 FULL OF GODS BLESSING'


Posted by Agnes Mutuku from Kibera Slums, Nairobi, Kenya
Dec 11, 2007
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Victim of the unrest
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary is another ANK client who has bore the blunt of the chaos that followed after the contested general election in late December. All her utensils were looted, but she thanks God she's alive and together with her family. She does not know how to start over again; she has been rendered homeless as well as penniless.


Posted by Agnes Mutuku from Kibera Slums, Nairobi, Kenya
Feb 7, 2008
Comments (1)

Suffering
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary came to our offices ,a very sad lady,i could see from her eyes that she is going through tough times,the office was sympathetic with her and we gave her some maize flour,cooking fat and some butter cups which some friends of Action Now Kenya had donated so that we can distribute to victims of the post-elections violence,she thanked the office and asked me to talk with kiva lenders if they can bail her out again since she is back to square one and finds it quite difficult to feed her family.She is now penniless and this is making her suffer from frequent headache,she thanks kiva lenders for her first loan and is very sorry that she never finished repaying.Her prayer is they should bail her out once again."BLESS YOU ALL KIVA LENDERS"that all Mary could wish to all kiva lenders.


Posted by Agnes Mutuku from Kibera Slums, Nairobi, Kenya
Apr 4, 2008
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I will make it
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

We visited Mary on the 14th October 2008. She told us her daughter was burnt with water by a friend and therefore being the mother she had to pay the hospital bill. Mary’s other daughter who is in the final year in high school needs school fees and so, in terms of money things have not been so good. She is lagging behind in her loan repayment due to the hospital bill and school fees she had to pay she says. ‘I will get over this’ she told us. She is still looking for funds to restart her business in order to ease her loan repayment loan. She has promised to work hard to clear her loan.


Posted by Edgar Mayende from Kibera Slums, Nairobi, Kenya
Nov 10, 2008
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Mary Kasowa's Questionaire
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary Kasowa's Questionaire(1)when we visited her in kibera.


Posted by Esther Kantai from Kibera Slums, Nairobi, Kenya
Feb 1, 2009
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Mary Kasowa's Questionaire
 
Entrepreneur: Mary Kasowa
Location: Kibera Slums, Nairobi, Kenya

Mary Kasowa's Questionaire(2)


Posted by Esther Kantai from Kibera Slums, Nairobi, Kenya
Feb 1, 2009
Comments (1)

Kiva Help Repayment Schedule for Mary Kasowa

  Expected Repayments Actual Repayments Comments
September 2007 $17.50 $18.00 Repayment Received
October 2007 $17.50 $18.00 Repayment Received
November 2007 $17.50 $18.00 Repayment Received
December 2007 $17.50 $18.00 Repayment Received
January 2008 $17.50 $18.00 Repayment Received
February 2008 $17.50 $18.00 Repayment Received
March 2008 $17.50 $0.00 Delinquent
April 2008 $17.50 $0.00 Delinquent
May 2008 $17.50 $0.00 Delinquent
June 2008 $17.50 $0.00 Delinquent
December 2009 $0.00 $0.52