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Update on Joyce

Joyce used her previous loan to buy more bags of maize for sale and the business is doing great. She makes a monthly income of 80,000 KES.

She is borrowing a loan of 25,000 KES to pay for her children's school fees. She desire to grow her business and in future to start selling maize wholesale.

Previous Loan Details

Joyce is 43 years old, married to Genson, and blessed with three children, age 17, 12 and 8. She sells cereals, a business she started six years ago, and earns a monthly income of KES 15,000. She also practices dairy and poultry farming. She has requested a third loan of KES 100,000 to pu... More from Joyce'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
  • 724
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 86.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Joyce to pay school fees for her children.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 10, 2013
Jan 14, 2013
Currency Exchange Loss:
Feb 17, 2014
This photo was used before for a previous loan for Joyce. It was first posted on Kiva on Oct, 2012. Learn More