Check out other loans that are currently fundraising!

Update on Emma

Emma is taking out a new loan to invest in her charcoal-selling business, which she has run for some time. She narrates that she also owns her motorcycle. She decided to open a charcoal-selling business, so as to diversify her lines of operation and earn more income.

Emma is grateful for the previous support given, with which she was able to re-stock her retail shop that she also runs. Her aim is to own several businesses, in order to have more financial security.

Previous Loan Details

Emma is a married woman with three children, all of whom attend school. She owns a house that has neither electricity, nor piped water. Her greatest monthly expense is school fees for her children. She has operated a boda boda (motorcycle) business for the past few months. In addition, she als... More from Emma's previous loan »

Additional Information

About Yehu Microfinance Trust

This loan is administered by Yehu Microfinance Trust, which was founded in 1998 as a project of CHOICE Humanitarian Kenya. In July 2007, Yehu became a separate entity from CHOICE and was registered as a trust. Since then, Yehu has expanded to cover over half of Kenya’s 13 coastal districts.

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
  • 729
    View loans »
    Kenya Loans Fundraising
  • $43,755,700
    Funds lent in using Kiva
  • 86.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Emma to purchase sacks of charcoal for sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Jan 17, 2013
Currency Exchange Loss:
Feb 17, 2014
This photo was used before for a previous loan for Emma. It was first posted on Kiva on Feb, 2011. Learn More