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Update on Ng'ombe

With her previous credit Kiva loan, Ng'ombe bought bundles of wheat flour, maize flour, and sugar, for the retail shop that she sold, increasing her working capital slightly. Now she is applying for a new credit Kiva loan, because her sellers have requested more products. She has an established clientele, and Ng'ombe's working capital is insufficient to meet the growth in demand.

This is the reason why her credit Kiva loan will be successful, because she will respond to demand by buying sacks of charcoal at a good price. Ng'ombe tells the lenders that her credit Kiva loans have been very useful to her. She says thank you, and may they continue helping her.

Previous Loan Details

Ng'ombe is a married woman with five children, all of whom graduated from school. She owns a house that neither has electricity nor piped water. Her greatest monthly expense is food for the family. For the past two years, she has operated a retail shop business, selling to her neighbours and... More from Ng'ombe'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
  • 814
    View loans »
    Kenya Loans Fundraising
  • $43,889,150
    Funds lent in using Kiva
  • 84.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ng'ombe to purchase sacks of charcoal for resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jul 6, 2012
Currency Exchange Loss:
Mar 15, 2013
This photo was used before for a previous loan for Ng'ombe. It was first posted on Kiva on Oct, 2011. Learn More