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Phancy operates a school in a peri-urban area of Siaya. Her students come from the school's nearby environs. She describes herself to be a business-oriented woman and she takes pride in providing an education to local students.

She describes her biggest business challenge to be delayed payments from the students' parents and guardians. Her business goal is to expand her school compound within five years.

Phancy is married and lives with her family.

This is Phancy's third loan with SMEP DTM. Her previous loan was in the amount of Kes 150,000 and was used to boost her school business. She is grateful to SMEP DTM for the financial assistance.

She is presently requesting a loan in the amount of Kes 41,500 loan in order to purchase a water tank for her household.

Additional Information

More information about this loan

This loan is a part of SMEP's loan program to promote clean drinking water in partnership with Called WASH (Water, Sanitation and Hygiene), this program offers three loan products:

1)      Loans designed to increase access to water. This includes financing for water tanks, water connections, water kiosks, pumps, filters, dispensers and catchment systems.

2)      Loans for sanitation improvements. This includes financing for the construction of bathrooms, toilets, septic tanks, soak pits, pit latrines, disposal units and incinerators.

3)      Loans for the drilling and construction of boreholes, shallow wells and water towers. This also includes the establishment and improvement of water treatment plants and chemicals.

WASH loan products carry greater risk than typical Kiva loans because they are used to fund non-income generating assets (in most cases), and therefore will need to be repaid with other sources of income. This income may already be contingent on other loans held by loan recipients.

About Kenya

  • $1,800
    Average annual income
  • 861
    View loans »
    Kenya Loans Fundraising
  • $42,924,225
    Funds lent in using Kiva
  • 85.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Phancy to buy a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 20, 2012
Currency Exchange Loss:
Nov 17, 2013