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Everline is a 28-year-old married woman. She has 3 children with ages ranging from 7 to 12 years. She describes herself as a hardworking woman. She operates a retail store where she sells various items such as cooking fat, detergents, margarine, flour, sugar, rice, etc. Her business is located in a viable business area and her primary customers are local residents. She describes her biggest business challenge to be insufficient funds for improving the business. Everline also gets business income from her husband's grocery store which he operates.

She will use the Kes 21,000 loan to buy a water harvesting tank which will be used by her family members for household activities. Her business goal is to expand her business within 5 years. She hopes that in the future, she will improve her business. This is her first loan with SMEP DTM. She expects to finish installing her water tank after the delivery.

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
  • 614
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • 87.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Everline to buy a water harvesting tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Jan 31, 2013
Currency Exchange Loss:
Apr 16, 2014