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Lorna is 23 years old, and she runs a small shop that sells basic goods like bread, soap, salt, and sugar. Lorna buys the products from a wholesaler in town and sells them near her home in Nyamasaria. She will use the loan to expand the room in which she is selling goods; she will also buy a larger variety of products to sell.



Lorna is well-educated; she finished high school, and hopes to save up enough money to go to university part-time for accounting. She is an unwed single mom who supports her daughter as well as her three younger siblings.



Lorna wants to open a health support group in her area, because she believes that the people in her community don’t know how to help each other. She is a community health worker already, and someday hopes to be able to expand her influence to help more sick people in her community.



K-MET, the NGO giving the loan, is unique in that it is not a traditional micro-finance institution. Rather, it is a development organization focused on raising health standards in Kenya. Many of the loan recipients from this organization are volunteer community healthcare workers like Lorna. For more information about K-MET, see the partner link on the lower right side of this webpage.

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
  • 1150
    View loans »
    Kenya Loans Fundraising
  • $40,419,350
    Funds lent in using Kiva
  • 76.6
    Kenya Shillings (KES) = $1 USD