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Pamela O. is a very active 40 year old member of her community. She has lived in one of the slums of Kisumu in Kenya for the past fifteen years. In 1997, she was trained by KMET in home-based care for people living with HIV/AIDS, TB ambassadorship, and community-based distribution of oral contraceptives.

Pamela is very well-known within her community for her compassionate work. Her main business and source of income, however, is a community pharmacy that she's managed for the past fourteen years. Given her reputation and the location of her pharmacy within her community, her business has flourished. The most commonly purchased drugs are those to treat malaria, diarrhea, asthma, and upper respiratory infections. Pamela credits her success to hard work and the assistance she has received from KMET through three previous microfinance loans. She plans to use the funds from her next loan of $700.00 to purchase stock of drugs in bulk.

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
  • 611
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • 61.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Pamela purchase stock of drugs for her community pharmacy.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 27, 2008
May 13, 2008
Currency Exchange Loss:
Dec 18, 2009