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Update on Umazi

Umazi resides in Coast Province, Kenya. She has been selling milk for some time.

In order to improve her family’s finances, Umazi is requesting a loan of 20,000 Kenya shillings (KES) to purchase more milk for resale. This money will help her generate additional income to support their family.

In the future, she would like to open a milk depot and send her children to a good school. Moreover, she hopes to rebuild her present house to make it more comfortable for her family. This is her second loan with both Yehu and Kiva, and she hopes to pay it on time and secure another one so as to move forward.

Previous Loan Details

Umazi is a married woman with one boy and two girls. They live in a house that they own which has neither electricity nor piped water. Her greatest monthly expense is food for the family. For the past six years, she has operated a milk business, selling from door to door to her neighbors and… More from Umazi'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
  • 362
    View loans »
    Kenya Loans Fundraising
  • $38,138,825
    Funds lent in using Kiva
  • 83.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Umazi to purchase more milk for resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 5, 2012
Jul 15, 2012
Currency Exchange Loss:
Jul 17, 2013
This photo was used before for a previous loan for Umazi. It was first posted on Kiva on Aug, 2011. Learn More