Jackline a very busy woman. She is a Community Health Worker, tending to those with illnesses of all kinds in the Mukuru informal settlement of Nairobi. She is the chairwoman of Community Conversation, an organization that brings together community members to discuss problems they face and formulate ways to solve them. And on top of that, she is the mother of six children, ages ranging from 5 to 18.
When Jackline first found out about Fresh Life toilets, she thought they were a great business opportunity and understood their health benefits, but did not have enough capital to purchase one of her own. However, in March of this year, Jackline joined a loans and savings group with 20 of her friends. She explained to the group three advantages of a Fresh Life toilet: it is clean, it is a profitable business opportunity, and it will improve sanitation in the community. With Jackline’s leadership, the group has decided to make their first investment the operation of a Fresh Life toilet.
Jackline’s group dreams of being able to purchase a Fresh Life toilet for every part of their neighborhood and eventually making enough profit so that the members can buy plots of land of their own. Personally, Jackline would like to be able to pay for all of her children’s educations and one day retire to the countryside as an old woman.
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.