Joseph Obuya Njaga

Joseph Obuya Njaga is 56 years old, married with 10 dependents. Eight of his children are in school while two are at home since he is unable to raise school fees for them to attend university. His wife works at the local market selling fish. They both contribute towards the welfare of the family. Joseph works as a water vendor in his home area on the northern side of Mombasa.

About two years ago when Mombasa was hit by a water shortage, Joseph decided it was time for him to start a business of selling water since it was in high demand. He dug a well outside his compound and installed a water pipe that was connected to the well and at the same time connected to the municipal water pipe. This ensures a constant supply of water for his customers. Business has been good as increasing numbers of people in his area buy water from him. He would like to be able to serve many customers and also reduce the cost for the precious commodity.

He is requesting a loan of US$600: US$400 to purchase a 20-watt generator to pump water from the well to the tap; US$100 to buy more water containers; and US$100 to pay for the pending water bill arrears. He is a noble man and will be able to repay the loan in due time.

Disclaimer: Due to recent events in Kenya, the security situation in many communities remains unsettled, affecting many local businesses. Lenders to this entrepreneur should be aware that this loan may represent a higher default risk, and should be willing to accept this additional risk in making their loan.