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John M. is a 55-year-old father of two children. He lives and works in Nakuru where he has had a private health practice since 1989. He provides reproductive health, curative services, family planning, PAK and minor surgeries. He is trained as a nurse, in family planning, and general reproductive health.



John sees between 140 and 150 clients a month. His clients range from those in the slum to more middle class people. He says it's important to balance his clientele as oftentimes the clients from the slum cannot pay their bills. He says he sometimes feels guilty but he cannot serve everyone all the time for free.



He is asking for a loan so that he can repair his car that he uses to visit distant patients. The rest he will use for improvements to the clinic like painting, buying drugs, and repairing the floor. He said the most important aspect is the car, as many of his clients don’t have the means to come to him.



Note: Mr. M.'s interview was taped prior to an informational meeting where he and other borrowers (all primary care providers) were informed that the maximum amount they could receive for their first loan was $1200 USD . Mr. Yegon agreed that he would take $1200 USD but the interviewer did not have time to re-tape the interview.

Additional Information

Important Information

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.

About Kenya

  • $1,800
    Average annual income
  • 455
    View loans »
    Kenya Loans Fundraising
  • $38,309,375
    Funds lent in using Kiva
  • 77.7
    Kenya Shillings (KES) = $1 USD