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Najma

Update on Najma

Najma is applying for another loan to expand her existing business. She will use this 80,000 KES loan to purchase more clothes, window curtains, handbags, and bed sheets for resale. In the future, Najma aspires to continue expanding her business.

Since taking her last Kiva loan, Najma has greatly improved her family’s standard of living. She hopes to continue accessing the financial services offered by Yehu and Kiva lenders and thanks you for your support!

Previous Loan Details

Najma is a married woman with four children, two of whom attend school, while two are too young for school. She owns a house that has electricity and piped water. Her greatest monthly expenses are electricity bills, school fees and food for the family. She operates her business of selling… More from Najma's previous loan »

Additional Information

About Yehu Microfinance Trust

This loan is administered by Yehu Microfinance Trust, which was founded in 1998 as a project of CHOICE Humanitarian Kenya. In July 2007, Yehu became a separate entity from CHOICE and was registered as a trust. Since then, Yehu has expanded to cover over half of Kenya’s 13 coastal districts.

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
  • 403
    View loans »
    Kenya Loans Fundraising
  • $38,151,650
    Funds lent in using Kiva
  • 90.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Najma to purchase more clothes, window curtains, handbags, and bed sheets for resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 11, 2011
Listed
Nov 25, 2011
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012
This photo was used before for a previous loan for Najma. It was first posted on Kiva on Nov, 2010. Learn More