Winfred Ongalo

Thank you for your loan. It has been disbursed to Winfred Ongalo by Rural Agency for Development (Rafode) in Kenya. We are excited to watch this business grow. Over the next 12 - 14 months, Rural Agency for Development (Rafode) will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.

This loan has been refunded for the following reason:

As you may be aware, each business on Kiva's website is posted by one of Kiva's 60+ Field Partners in 39 developing countries. A Field Partner is an independent microfinance institution that has a history of lending to the poor for a social purpose. They screen each entrepreneur, post his/her profile on the Kiva website, and administer your loan.

Kiva routinely audits each Field Partner to ensure your loan is being dutifully administered to the entrepreneur you've selected. In the course of auditing our Field Partner, Rural Agency for Development (RAFODE) in Kenya, Kiva discovered that some entrepreneurs were not receiving the full amount of their loans.

This violates Kiva's policies and we have terminated our relationship with RAFODE. All of the loans made to entrepreneurs served by this Field Partner have been refunded. We hope you realize that our audit uncovered a true exception to the norm; the vast majority of our Field Partners administer your loans with the highest integrity. Kiva will continue to audit Field Partners to ensure your loan is being dutifully administered and to make our website a model for transparency in international development.

To help inform your choice of Field Partner as well as entrepreneur, we have launched a new feature on the site which helps you evaluate the Field Partner's performance in your lending decision. See www.kiva.org/about/partners/ for details.

We hope that you give lending to the working poor another chance by re-lending your Kiva Credit to a new entrepreneur on our site.