Eric Y. is a 41-year-old married father of three children, aged 9, 7 and 5 years. He runs a medical clinic in Mwacho where he also lives. He provides natal care, curative care, family planning, immunizations, maternity services, counseling and PAK services. He is trained as a nurse/midwife and has a diploma in mental and psychological counseling. He also has been trained by K-MET to be a PAK practitoner. On average, Eric sees about 300 clients a month, most of whom are from in and around Mwacho – though some come from as far as 10 kilometres away. Most are farmers though a few are teachers or business people. His greatest challenge is collecting bills from those who come for treatment. There are few other places for them to go so he understands he may be the only one providing them medical treatment, so he often will give it at reduced cost or for free. Another challenge for Eric is reaching those on the distant ends of the area he serves. He has no car, so when a client needs a house call, it is often very difficult and expensive for him to reach the client. He is asking for 90,000 KES to help purchase a small vehicle. Note: Mr. Y.'s interview was taped prior to an informational meeting where he and other borrowers (all primary providers) were informed that the maximum amount they could receive for their first loan was 90,000 KES. Mr. Y. agreed that he would take 90,000 KES but the interviewer did not have time to re-tape the interview.
Please note that this Field Partner started working with Kiva before certain core risk and due diligence policies were put into place and therefore does not meet our current minimum risk criteria (K-Met has less than 1,000 borrowers and has not submitted recent audited financial statements to Kiva). K-Met is a unique microfinance organization that targets private health care providers and community health workers as a means to fulfill its mission of promoting development in underserved communities through innovative health and education programs. Private providers are given loans to upgrade their facilities and community health workers, who volunteer through K-Met, are given access to loan funds to grow their businesses and as a means of incentivizing them to remain involved in community health work with K-Met. Kiva was K-Met’s first external lender and the organization is rated a Kiva Star Rating of 1, which is the riskiest level. As a result of K-Met’s strong social mission and unique approach to microfinance and health, Kiva believes that loans to borrowers with K-Met may still be of interest to Kiva lenders, despite the increased risk, and has allowed the organization to continue fundraising on Kiva.