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Update on Joseph

Joseph used his previous loan to buy seeds and fertilizers. He planted during the planting season. The harvest was very profitable.

This will be his seventh loan and he plans to use the loan amount to buy spraying chemicals and fertilizer for use in this planting season.

In the future, Joseph hopes to improve his farming methods and increase his income, thereby improving the living standards of his family.

Previous Loan Details

Joseph N. Muiruri is 48 years old, married to Esther Gathoni, and they have three children. He has practiced farming in Ndunyu Njeru town for the last 23 years. Joseph was introduced to KADET LTD by his friend, and this will be his fifth loan. He paid all his previous loans well and in good t... More from Joseph's previous loan »

Additional Information

About VisionFund Kenya

VisionFund Kenya is dedicated to economically empowering its clients by providing financial services to improve living conditions of micro-entrepreneurs and their children across Kenya. VisionFund Kenya is the microfinance subsidiary of World Vision Kenya. Obtain more information on VisionFund Kenya from its website.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Kenya

  • $1,800
    Average annual income
  • 763
    View loans »
    Kenya Loans Fundraising
  • $43,695,450
    Funds lent in using Kiva
  • 97.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Joseph to buy fertilizer and chemicals.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Nov 7, 2011
Nov 19, 2011
Currency Exchange Loss:
Jun 16, 2012