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Patrick O. is a 36-year-old husband and father of three school-aged children. He lives in one of the slums of Kisumu, Kenya, and runs the longest-standing community pharmacy in his area. He received his certificate for the pharmacy training after finishing secondary school in 1993 and has since been working from this location. Considering his 14 years of good work, the community knows him personally. Patrick has also trained as a community health worker and has been providing home-based care services for people living with HIV/AIDS for the past four years. He sells his drugs at affordable prices due to financial status of the community he serves. His highest selling products are painkillers, antimalarials, family planning drugs, allergy medications, those treating ulcers, worms, and skin infections, and various syrups for children treating malaria and upper respiratory infections. His vast knowledge and experience, positive attitude, and kindness have earned him a good reputation within his community. His well-established business has been quite successful due to his loyal and wide client base. Patrick requires an additional US $700 to further expand his community pharmacy, purchase drug stocks in bulk and also pay for rent.

Disclaimer: Due to recent events in Kenya, the security situation in many communities remains unsettled, affecting many local businesses. Lenders to this entrepreneur should be aware that this loan may represent a higher default risk, and should be willing to accept this additional risk in making their loan.

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
  • 849
    View loans »
    Kenya Loans Fundraising
  • $42,925,925
    Funds lent in using Kiva
  • 62.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Patrick pharmacy expansion and buy stock of drugs.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 13, 2008
Mar 29, 2008
Currency Exchange Loss:
Nov 15, 2009