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Wambulwa Ayub
Wambulwa is a student at Strathmore. This is his story.
My name is Wambulwa. I am 20 years old and my family is from Bungoma in Western Kenya but I was raised in an Orphanage in Nakuru after my mother became chronically sick. My father died when I was 4 years old. I want to study Bachelor of Business Information Technology at Strathmore University because of their good quality education they offer in relation to my academic aspirations. I have three brothers and four sisters in total. My mother is a peasant farmer but unproductive due to her persistent sickness. As a student in Strathmore University, I will offer my best to the campus KIVA through through active participation and mobilization of information about KIVA. Just as KIVA is working to change people's lives, I aspire to be a prominent and hearted lender after completion of my course and work towards fulfilling the goals of KIVA

Additional Information

More information about this loan

While the disbursal date for this loan is listed as November 10, no money has actually been disbursed. Rather, November 10th is the start date for the next semester. This student will not receive their loan until it has been fully funded on Kiva.

Important Information

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

Strathmore University is one of the leading private chartered universities in Kenya, and is a privately owned, not for profit institution. Originally established in 1961 as an Advanced-level Sixth Form College with inspiration and encouragement from Saint Josemaria Escriva, founder of Opus Dei, Strathmore University started offering degrees in 2002 before becoming fully chartered in 2008.

Strathmore University is a non-traditional Field Partner, in that they are an educational institution, not a microfinance institution. Lenders to these loans should be aware of the following:

1 - You might not begin to receive repayments on this loan for many years, and this loan may have terms as long as 11 years. The full-tuition loans administered by Strathmore University can have loan terms of up to 11 years, which includes a grace period of up to 5 years. The grace period includes the time during which the student is enrolled at the university, and the first year after graduation. During the grace period, the borrower is not required to make any repayments, and you would not receive any repayments. Please be sure the loan terms and repayment schedule of this loan suit you.

2 - Administering loans is a new activity for Strathmore University, which can increase the risk on this loan. While most Kiva Field Partners are microfinance institutions and therefore experienced at administering loans, Strathmore University's core business is providing education, and they are inexperienced at administering loans. This partner has passed Kiva's due diligence requirements for a non-traditional Field Partner, however lenders to this loan should be aware that this loan carries some additional risk as Strathmore University becomes more experienced with administering loans to students.

For more information on Strathmore University, and the Kiva loans they are administering, please visit the Field Partner page.


About Kenya

  • $1,800
    Average annual income
  • 602
    View loans »
    Kenya Loans Fundraising
  • $39,245,475
    Funds lent in using Kiva
  • 85.6
    Kenya Shillings (KES) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $14,625 helped Wambulwa Ayub to pay tuition fees for an undergraduate degree in Bachelor of Business Information Technology at Strathmore University.
0% repaid
Repayment Term
121 months (Additional Information)
Repayment Schedule
Jul 1, 2013
Jun 20, 2013
Currency Exchange Loss: