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Bessy A. is a 25-year-old entrepreneur and mother of two school-aged children. She and her husband live in Kisumu, Kenya. Her husband works as a security guard in Kisumu town.

Bessy began her current business of selling new clothes in the year 2005. She specializes in both children’s and women’s clothing such as skirts, dresses, and casual and formal tops. She periodically travels to Kampala, Uganda, where she is able to purchase a good variety at wholesale prices.

The prime location of her business on a busy street, and her two years of experience and her friendly interaction with customers has enabled her to establish a good clientele base. Her customers return to her shop for her wide selection or to make requests for certain styles.

Bessy plans to expand her business with her loan of US $700. She will invest part of the loan in a trial stock of second-hand clothes and also continue to purchase new ready-made clothes for re-sale.

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
  • 1025
    View loans »
    Kenya Loans Fundraising
  • $43,108,375
    Funds lent in using Kiva
  • 62.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Bessy continue purchasing new clothes and also try to buy stock of used clothes for re-sale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 5, 2008
Dec 22, 2007
Currency Exchange Loss:
Aug 15, 2009