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Update on Bernard

Benard is still practicing mixed farming in Olkalau and his business is doing well.

He has now applied for his fifth loan from Kadet Ltd to enable him to buy a dairy cow. He paid his previous loans well and in good time. With the anticipated profits, he hopes to pay the loan and expand his farming business.

In the future, he hopes to increase the number of livestock and expand his farming business.

Previous Loan Details

Bernard is 32 years old. He is married to Mercy and together they have two children. He is a dairy farmer and has been in the business for the past two years. This is his fourth loan from KADET LTD. He paid his previous loans well and in good time. He will use the loan to purchase two dairy cows... More from Bernard'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
  • 708
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 84.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Bernard to buy a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 13, 2013
Jun 1, 2013
Currency Exchange Loss:
Jun 17, 2014
This photo was used before for a previous loan for Bernard. It was first posted on Kiva on Apr, 2012. Learn More