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Rose Kadiri's Group
Rose Kadiri's Group
Rose Kadiri's Group
Rose Kadiri's Group
Rose Kadiri's Group
Rose Kadiri's Group
In this Group: Rose , Margaret, Ann , Phoebe , Sarah
Rose is 60 years old, has 5 children and lives in Inavi village, Vihiga County, Kenya. Inavi village does not have a piped water supply so the community collects their water from a protected spring. This water is easily contaminated with bacteria that can cause diarrhea and other water-borne diseases, meaning that Rose and her family may fall sick at any time and become unable to work or attend school.

Rose runs a small shop in Inavi village but has also volunteered her time to be the promoter for a new chlorine dispenser program that enables her community to drink safe water and stay healthy. Rose and other promoters in her community, including Margaret, Ann, Phoebe and Sarah, need a loan to cover the costs of installing and maintaining chlorine dispensers at the water sources in the area. Rose will encourage the community to treat their water using the chlorine dispenser and will be responsible for refilling the dispenser with chlorine when the tank gets low. Rose wants to be the promoter because she lives close to the water-point and will be readily available when needed. Rose believes that chlorine dispenser adoption will be a key step towards her community’s good health and prosperity.

Evidence Action (www.evidenceaction.org) will repay the Kiva loan on behalf of the community through the sale of carbon credits. Using chlorine dispenser generates carbon credits by avoiding the need to boil water to make it safe to drink. Revenues from the sale of carbon credits to organizations and individuals wanting to reduce world carbon footprint will be used to repay Kiva lenders and to make sure that Rose’s community can have access to safe water now and in the future.

Additional Information

About Evidence Action

This loan is part of Evidence Action’s Dispensers for Safe Water program, providing rural communities with access to safe drinking water by installing chlorine dispensers where people collect water. The dispensers enable community members to treat their water with chlorine to make it safe to drink.

Kiva loans are used to finance the installation, maintenance and refilling of chlorine dispensers. Evidence Action provides dispensers as in-kind loans to communities, represented on Kiva by dispenser “promoters,” who will help educate their neighbors about the equipment’s use and benefits, and refill the dispenser with chlorine.

Instead of these loans being repaid by community members, Kiva lenders are reimbursed by the sale of carbon credits. These carbon credits are generated when households use chlorine dispensers to treat their water, because they no longer have to boil it over wood-burning fires that release harmful greenhouse gases. This change in behavior is monetized through the sale of carbon credits on the voluntary carbon market.

Here’s how it works:

1) Kiva borrowers grant the rights to carbon credits they generate to Evidence Action.
2) Evidence Action works with an organization called Impact Carbon to monitor, quantify and verify carbon credits, which can then be sold to individuals and organizations looking to reduce their carbon footprint.
3) Revenue earned from this sale is used to maintain dispensers and repay Kiva lenders.



This is the first time Kiva is financing loans that are repaid with carbon credit revenues. By supporting this loan, you’re joining an exciting experiment in using credit to fund carbon-reducing water projects. This also means that these loans may carry a significantly higher level of risk than typical Kiva loans.

To learn more about this model, read our blog post "A new way of thinking: Carbon as currency."

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

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kenya

  • $1,800
    Average annual income
  • 908
    View loans »
    Kenya Loans Fundraising
  • $43,075,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Rose Kadiri's Group's $1,500 loan helped a member to install and maintain chlorine dispensers to provide access to safe drinking water for the community.
0% repaid
Repayment Term
68 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Feb 19, 2014
Listed
Feb 27, 2014
Currency Exchange Loss:
N/A