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Update on Ruth

Ruth's business has had a prime moment over the last one year. The sales have been high, and this enabled her to meet the required repayments besides supporting her family. The rentals have also proved a constant source of income.

Even still, she would like to restock the bookshop in preparation for the second school term. She is applying for a loan of 107,300 Kenya shillings to purchase books, pencils, pens, manila paper, rubber erasers and rulers for sale. Ruth believes this will help her educate the children.

Previous Loan Details

Ruth lives in Kongowea area of Coast province, Kenya. She is married and has three children, all of whom attend school. She owns bookshop, a business which she has been operating for three years. Besides this business, Ruth earns some income from the rental houses she owns. She learnt about Milan... More from Ruth's previous loan »

Additional Information

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
  • 708
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 83.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Ruth to purchase books, pencils, pens, manila paper, rubber erasers and rulers.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 1, 2013
May 14, 2013
Currency Exchange Loss:
Apr 16, 2014
This photo was used before for a previous loan for Ruth. It was first posted on Kiva on Aug, 2012. Learn More