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Update on Ruth

Ruth is now 26 years old, still having her two children aged now six and three years old. With her previous loans she has improved on her dairy farm and now she earns an income of 20,000 monthly.

She is now servicing her third loan of KES 80,000 from KADET LTD after she repaid the previous loans successfully and intends to purchase more heifers for her expanded dairy farm.

The profits will be used to repay the loan and plough some back to her dairy farm. She hopes for a bright future.

Previous Loan Details

Ruth J. is 25 years old. She is married to Isaac Kering, who is a business man. They are blessed with two children aged 2 and 5 years old. Ruth does dairy farming. She supplies milk to the hotels in the Itigo trading centre and to her neighbors. She has been in this business for 2 years, ... More from Ruth's previous loan »

Additional Information

About VisionFund Kenya

VisionFund Kenya is dedicated to economically empowering its clients by providing financial services to improve living conditions of micro-entrepreneurs and their children across Kenya. VisionFund Kenya is the microfinance subsidiary of World Vision Kenya. Obtain more information on VisionFund Kenya from its website.

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
  • 832
    View loans »
    Kenya Loans Fundraising
  • $42,925,925
    Funds lent in using Kiva
  • 85.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Ruth purchase heifers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Nov 13, 2012
Currency Exchange Loss:
Nov 17, 2013