Runyenjes CBD (community-based distributors) group with 40 registered members was started in 1996 with the mission to distribute contraceptives, provide health education, and go on home visits. Meeting monthly on the hospital grounds, they share their experiences and problems in the field and try to find solutions. They are being helped by the Runyenjes Hospital staff that has provided information about family planning issues and also supplied them with contraceptives. Other partners of the Runyenjes group include the Ministry of Health and numerous other organizations, such as the Chogoria Hospital CBD. In 2001, Kisumu Medical & Education Trust sponsored updates and trainings on a number of key issues, including family planning, the Community Based Abortion Care Project (COBAC), as well as first-aid and home-based care. KMET have been supplying the group with contraceptives as well as Nutriflour which they distribute to the community. The community truly appreciates the services KMET is offering through their partnerships. KMET has also empowered the group's members through its loans. Consequently, Runyenjes group's members have improved their living standards and health status as well as the severity of poverty in the community. The members are motivated and have been able to reach more clients with family planning services. The area where the group provides its services is agriculturally rich, and the main economic activity and source of income is farming. It is the case also for the members of Runyenjes group - 90% of them grow various crops ranging from tea and coffee, to maize and bananas. The produce, especially bananas grown in large amounts, is transported to Nairobi, 200 km away. A lot of money is spent on hiring a truck to transport the produce to the market for sale. The Runyenjes group is therefore asking for a loan of US$5,000 to help them pay for part of the distribution van cost so as to make product distribution easier and less costly.
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.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.