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Josphat is a married man. He has two children ages two years and six years. He describes himself to be determined. He operates a transport business where he transports customers using his motorcycle. He has been involved in this business for two years. His business is located in a conducive area and his primary customers are small-scale customers. He describes his biggest business challenge to be price fluctuations and high fuel prices.

Josphat will use the Kes 20,000 loan to buy a water storage facility and buy spare parts for his motorcycle. His business goal is to be successful within five years.The water storage facility will enable his family to store clean water for domestic use. He hopes that in the future, he will be prosperous. This is his first loan with SMEP DTM.

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
  • 855
    View loans »
    Kenya Loans Fundraising
  • $42,924,225
    Funds lent in using Kiva
  • 86.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Josphat buy a water storage facility and buy spare parts for his motorcycle.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 22, 2014
Jan 31, 2014
Currency Exchange Loss:
Feb 17, 2015