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Ruth Kerubo
Ruth is a student at Strathmore. This is her story.
My name is Ruth, a 3rd born in a a family of 5 children. I come from Kisii county. My mother works as a procurement assistant officer while my father is deceased. Coming from a single parented household, my mother finds it so hard to pay our school fees but has managed to see me through high school with the little money that she earns and a bit of help from friends and relatives. I have applied for the Kiva loan for assistance since my mother can’t afford to pay for the fees and I would like to pursue my degree in Bachelor of Commerce at Strathmore University. Am so thankful and sincerely feel grateful for the Kiva lenders for considering me and believing in my abilities. Once I get the quality education, I would like to give back to society by helping other needy children to pursue their education and also helping my family members. I commit to paying back the loan fully and comply with the terms and conditions governing Kiva Loan

Additional Information

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
  • 711
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 85.6
    Kenya Shillings (KES) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $11,650 helped Ruth Kerubo to pay tuition fees for an undergraduate degree in Commerce at Strathmore University.
0% repaid
Repayment Term
121 months (Additional Information)
Repayment Schedule
Jul 1, 2013
Jun 20, 2013
Currency Exchange Loss: