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Margaret is a 50-year-old married woman. She has 4 children. She describes herself as focused and determined. She operates a tailoring retail store where she sells clothes that she makes. She has been involved in this business for 10 years. Her business is located opposite a busy market and her primary customers are local residents. She describes her biggest business challenge to be the high prices of fabric used to make clothes.

She will use this 21,000 KES loan to purchase a water tank which her six family members will use. Her business goal is to open a new retail shop within 5 years. She hopes that in the future, she will have improved both of her businesses. In addition, Ruth sells snacks and sodas to customers to increase her business income. She expects to complete installing the water tank two weeks after it is delivered.

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
  • 944
    View loans »
    Kenya Loans Fundraising
  • $42,872,200
    Funds lent in using Kiva
  • 85.7
    Kenya Shillings (KES) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $250 helped Ruth to buy a water tank.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 20, 2012
Currency Exchange Loss:
Jun 17, 2015