Patrick Okiring

This busines received a loan money worth $575. He was grateful to receive the loan money. The loan has been put into business. more updates will be posted in the next Journal report.

Janet.

Patrick is so grateful ever.

The loan he received managed him, buy two machines that shell nuts and this has caused him more income than before.

His business has also grown big, where by the other produce buyers now buy from his store.

Patrick says dear lenders thanks alot and live longer.

Patrick says your loans are loans to make people grow, benefit and have lives changed.

Dear lenders thans alot for all you have done for such success in people's lives.

People in Uganda, Mbale WITEP are ever happy and saying thank you.

Janet.

Patrick’s business is going very well. He has not had any trouble paying back his loan, and has had additional money to pay for one child’s school fees (a big improvement!). Also, the extra profits from his business enabled his family to have a great Christmas, and for this he was very thankful. The picture below is Patrick and his family at their home in rural Uganda.

Previously, Patrick was renting the space for his business of selling “G nuts” (very similar to peanuts). He was able to use part of the loan to construct a building of his own, and is hoping to finish two more rooms on the building that he may use for more space or that he may rent out for additional income. Also, he previously could only conduct commerce in his small village. He has now been able to expand to other villages and go to the Kenyan border to sell or trade his G nuts.

Patrick said his message was obvious – to send great thanks to all those that have helped him and his family! When I left Patrick’s business he insisted on giving me 3 kilos of the G nuts he grows and sells as a token of his thanks. They’re great!

Best-

Shelby Clark

Kiva Field Rep

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, Women's Initiative to Eradicate Poverty (WITEP) in Uganda, 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 WITEP. 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.