Josephine has lived in the Mukuru informal settlement of Nairobi for ten years, where she and her husband, a contract worker, have started a family. Her four children--two boys and two girls--are the primary reason Josphine wants a Fresh Life Toilet: she dreams of being able to pay for their school fees through secondary school. Her first-born is currently in standard 5.
Running a business is not new to Josephine; she owns a small shop and is also a trained tailor, specializing in embroidered tablecloth. Josephine manages her family’s affairs with the money she gets from her businesses. Once her children are through school, Josephine’s hope is that her Fresh Life toilet will bring in enough profits for her to expand her business ventures to commercial vehicles.
More information about this loan
Eight million people in Kenyan slums and 2.6 billion people worldwide lack access to hygienic sanitation. Sanergy aims to permanently reduce related disease in these areas by making sanitation accessible, affordable and sustainable. This social enterprise builds toilets under the “Fresh Life” brand, franchises them to local entrepreneurs, collects the waste and converts it into renewable energy and organic fertilizer.
Because Sanergy’s core business is not microfinance and its partnership with Kiva is unprecedented, these loans present some level of additional risk for lenders. Accordingly, we have not provided a risk rating for this partner.
This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.
Sanergy is a social enterprise that combines technology, entrepreneurialism and a unique business model to provide safe, accessible and affordable sanitation products and services to slum residents across Kenya. Sanergy uses the flexible, zero-interest capital provided by Kiva lenders to offer loans to its network of toilet operators. The funding covers the upfront costs of the toilet purchase, enabling operators to pay back the loan over time with the revenue generated by the toilet.