My legal name is Taneshia Campbell. As a first generation Jamaican immigrant and survivor of emotional and sexual violence, who was raised in Crown Heights Brooklyn, I lived through the Crown Heights riots. I saw the effects of broken spirits and experiences of discrimination impacting my communities’ quality of life. At a young age, I was optimistic despite having overcome many barriers. I saw a world of hope amidst community pain and my own. The self-revelatory stories I created in theater, dance, and story book writing, as a young adult growing up in Crown Heights Brooklyn, literally saved my life.
That all stopped at the age of 22, when I landed in the emergency room over a dozen times with acute pain that couldn’t be identified. Years later, I spoke with a holistic doctor, who asked me a question none had prior: what is the root of your pain? Through art therapy and holistic medicine, years of pain has become increasingly manageable. It was there that I began to understand that emotional hurt can have lasting effects on the physical body. Research backs it by highlighting that over 60% of illnesses are stress related. My first creative piece was also born entitled “Arise Chile,” performing in NYC at second Stage Theater, and countless others followed. I knew I was unto something. My own healing would pave the way for supporting others.
I was accepted into Union Theological Seminary, a Columbia University affiliate, to study Holistic Psychology and pursue drama therapy. During Seminary, I changed my name to Sacred Walker, in a deep knowing that when I honor the Sacred in myself I can better honor the Sacred in others, in action. While in Seminary, I traveled to India to study Ayurveda, Yoga, and Psychology, while serving orphaned children in Kerala, India. I also studied gender based violence in home country of Jamaica. In my final year at Seminary, I was accepted into a prestigious post-graduate residency at New York Presbyterian Hospital in Patient Women’s Unit, and was asked by the Head Psychiatrist to facilitate a group that would address the hopelessness experienced by the women. I again and again saw arts, ritual, and community supports feed parts of broken souls as a supplement to psychiatric meds.
Today, I speak nationally at symposiums, conferences, webinars, spearheaded retreats, and have become a motivational speaker, transformational soulcare coach, and professional development trainer. We live the model of community love transforming my vision from an idea to a solid business. My vision is to make Kuumba Health internationally recognized for its transformative performance trainings and professional development services, to sell media products locally and worldwide, as a 6 figure company in the next 5 years. I intend to open a holistic and integrative medical facility that treats experiences of pain, on site and internationally in the next 10-15 years. I have used all of my resources on behalf of business startup. This Kiva Zip loan will provide solid base of support at a pivotal time when I am ready to expand my business, help us break even, and create sustainable on-going revenue for my business to flourish.
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Sacred
Kuumba Health LLC
Repayment schedule
Monthly: One repayment made per month
End of term: One repayment made at the end of the loan term
Irregular: Any other repayment schedule
To see a detailed repayment schedule for a specific loan, click the "Repayment schedule" link on the loan profile under "Loan details."
What is the disbursed date?
In the case of partner loans, many of our Lending Partners choose to disburse loan funds before the loan request is posted on Kiva. We allow pre-disbursal because it ensures that the funds reach the borrower as soon as they are needed. Loan funds from Kiva lenders then go to backfill that amount and as a lender you assume the risk of the loan. By doing this, our Lending Partners assume the risk that, if the loan isn't funded by lenders, they will have to fund the loan without any funds from Kiva.
If a partner loan is not pre-disbursed, it will be listed on Kiva with an expected "post-disbursed" date. If a post-disbursed loan is not funded on Kiva, there is a chance that the borrower may not receive their loan. Some Lending Partners choose to disburse loans with other sources of funding, while other partners don't have the resources available to fund loans without Kiva lenders' support. No direct loans will be disbursed unless they fully fundraise on Kiva.
Funding model
What does "Partner covers currency loss" mean & how could it affect my Kiva loans?
Potential for currency exchange loss is noted on every loan profile under the loan details:
"Yes" means the Lending Partner will cover any currency loss. Lenders will not bear losses due to currency fluctuation
"Partial" means that the Lending Partner has opted to cover losses only up to 10%. If the U.S. dollar appreciates more than 10% against the local currency, those losses will be passed onto lenders.
"No" means that the Lending Partner is not covering any currency losses and all losses will be passed onto lenders.
"N/A" means the Lending Partner disburses loans to borrowers in USD so their loans are not subject to any currency fluctuation.
Do Kiva borrowers pay any interest on their loans?
Our partners collect interest from borrowers because there are many operational expenses associated with microfinance in developing markets, especially in rural areas. Many of Kiva's Lending Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services.
Kiva will not partner with an organization that charges unreasonable interest rates, and we require Lending Partners to fully disclose their rates. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved.
There are some 0% interest loans on Kiva, including all direct loans in the United States. To learn more about the interest rates Kiva borrowers pay, you can review the "Average cost to borrower" field on a loan profile.
We also encourage you to read the following articles if you are interested in further educating yourself on the topic: Microfinance 101 (https://www.kiva.org/microfinance), Top 10 things to know about microfinance (https://www.kiva.org/blog/top-10-things-to-know-about-microfinance), Microfinance interest rates explained (https://www.kiva.org/blog/whats-up-with-microfinance-interest-rates)
What is a risk rating?
The Lending Partner risk rating reflects the risk of institutional default associated with each of Kiva’s Lending Partners. A 0.5-star rating means the organization has a relatively higher risk of institutional default, while a 5-star rating indicates the organization is at a relatively lower risk of default, based on Kiva's analysis and the available information displayed in the Lending Partner section of every loan. Lending Partners with the lowest credit tier undergo a lighter level of due diligence and do not receive a risk rating; instead, in places where a risk rating would normally appear, these partners are labeled as “Experimental.” For more information, see "What is an Experimental Lending Partner?"
Direct loans also do not receive a formal risk rating. Instead, these loans are approved through “social underwriting”, where trustworthiness is determined by friends & family lending a portion of the loan request, or by a Kiva approved Trustee vouching for the borrower. Direct loans will appear as "Unrated" and lenders should always assume these loans represent the highest level of repayment risk on Kiva.
How are loans facilitated?
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
More information about successive and concurrent loans
Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Lending Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
Sacred's story
This loan is special because:
More about this loan
Business Description
Kuumba Health LLC is an interfaith, clinical, and culturally affirming practice. Our motto is “foster the soulcare in healthcare.” An early life changing event in creating Kuumba Health was my personal experience with my mother’s mental health challenges and of me stepping into the role of her health support. Where physically she appeared stable, her spirit had lost motivation. When her doctors asked if she was stable, they didn’t consider if she was happy, had enough family support to get better, or who would she now become once she was labeled as having a mental illness. She wasn’t the only one. From doing research I found that 1 in 3 women of African descent had histories 1 in 4 had mental health challenges. Kuumba Health specializes in convening engaging retreats that innovatively leads participants on how to create books of poetry and original theater pieces by the end, in support of their health goals. We support women, children, and LGBT’s people’s upliftment through the use of theater, interactive activities, and life skills to help them achieve their purpose. These are usually people entering into early adulthood and these “transformative performance training” retreats support them to achieve their success and find creative solutions for managing life’s stressors. One example includes the group a “woman’s hope” which helped women move from hopelessness to hope. Over a period of 1 week to 12 weeks, women and children create original books of poetry or original plays that transform their lives. This loan will allow those books and recordings of plays to now be sold to the community as educational tools and to bring revenue back to Kuumba Health, in order that we can expand our program and pay forward our community impact. This year your support will allow me to take this amazing approach to Zimbabwe, in service of women, children, and LGBT people impacted by trauma and HIV/AIDS. Today, over 250 participants worldwide have participated in Kuumba Health retreats and workshops. The goal is to support young, adult women, and LGBT people who have been affected by debilitating stress, childhood sexual abuse, and religious intolerance. Our 2016-2017 initiative will support young adult and LGBT people to become powerful leaders who make informed health choices- on and off stage. We believe that if we accomplish these goals, we will put ourselves on the path to profitability and positive community impact in 2016.
See us in action here: http://www.khhp.org/media/
Hear what retreat participants have to say here: “New Year, New Dreams, New You.” Here is what the women had to say: http://khhp.squarespace.com/media/2015/12/31/kuumba-health-testimonials
What is the purpose of this loan?
I am seeking this Kiva Zip loan to expand my programming locally and internationally, in order to use alternative & engaging therapeutic strategies for supporting victims of trauma and violence, and to expand my business to the next level. A $6,025 Kiva Zip loan will help us move closer to our objective of expanding our programming locally and to Zimbabwe in service of women, children with HIV/AIDS, and LGBT people. Today, we need to bridge the gap for our start up program associated fees totaling $2600; additionally our Kuumba Health overhead and on-going programmatic costs totaling $3,425. Kuumba Health participants are lead through a series of trainings to mindfully create original artistic pieces on their lived experiences. They will be guided through our transformative performance trainings on how to step into their highest vision of themselves, healthy and whole. These performance trainings will be turned into media products. They will include: Trademarked Poetry Books, DVD’s, and webinars, each created from the culmination performances and artistic final projects of transformed participants. With your investment support, our products will yield 60% gross margin, and provide a positive return on our investment (ROI). The proceeds from the loan will be used to: a) Hire a social media marketer to assist with the brand development, website’s downloadable products, and launch a targeted online marketing campaign. This will allow us to capitalize on the growing international market. b) Purchase artistic materials needed for performance trainings, both domestic and internationally. c) Proceeds from the media sales will cover on-going Newark & New York based Kuumba Health programs, overhead, and administrative costs. d) Expand programming to Zimbabwe. e) In addition, by increasing our marketing, we will be able to improve our social media branding, and increase our national speaking engagement revenue and website sales. Thank you for giving today to plant a seed of hope in us, while we aim to spread that hope in every participant we support and product we sell. This loan will help me, as I have used all of my savings in service of my business, and now am ready to create on-going revenue for sustainable on-going programming connected to our mission. I commit to leverage the loan to make our revenue stream increase. This loan will help at this pivotal cross roads of ensuring my business’ steady growth.
Loan details
Loan length:
Repayment schedule
Monthly: One repayment made per month
End of term: One repayment made at the end of the loan term
Irregular: Any other repayment schedule
To see a detailed repayment schedule for a specific loan, click the "Repayment schedule" link on the loan profile under "Loan details."
What is the disbursed date?
In the case of partner loans, many of our Lending Partners choose to disburse loan funds before the loan request is posted on Kiva. We allow pre-disbursal because it ensures that the funds reach the borrower as soon as they are needed. Loan funds from Kiva lenders then go to backfill that amount and as a lender you assume the risk of the loan. By doing this, our Lending Partners assume the risk that, if the loan isn't funded by lenders, they will have to fund the loan without any funds from Kiva.
If a partner loan is not pre-disbursed, it will be listed on Kiva with an expected "post-disbursed" date. If a post-disbursed loan is not funded on Kiva, there is a chance that the borrower may not receive their loan. Some Lending Partners choose to disburse loans with other sources of funding, while other partners don't have the resources available to fund loans without Kiva lenders' support. No direct loans will be disbursed unless they fully fundraise on Kiva.
Funding model
What does "Partner covers currency loss" mean & how could it affect my Kiva loans?
Potential for currency exchange loss is noted on every loan profile under the loan details:
"Yes" means the Lending Partner will cover any currency loss. Lenders will not bear losses due to currency fluctuation
"Partial" means that the Lending Partner has opted to cover losses only up to 10%. If the U.S. dollar appreciates more than 10% against the local currency, those losses will be passed onto lenders.
"No" means that the Lending Partner is not covering any currency losses and all losses will be passed onto lenders.
"N/A" means the Lending Partner disburses loans to borrowers in USD so their loans are not subject to any currency fluctuation.
Do Kiva borrowers pay any interest on their loans?
Our partners collect interest from borrowers because there are many operational expenses associated with microfinance in developing markets, especially in rural areas. Many of Kiva's Lending Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services.
Kiva will not partner with an organization that charges unreasonable interest rates, and we require Lending Partners to fully disclose their rates. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved.
There are some 0% interest loans on Kiva, including all direct loans in the United States. To learn more about the interest rates Kiva borrowers pay, you can review the "Average cost to borrower" field on a loan profile.
We also encourage you to read the following articles if you are interested in further educating yourself on the topic: Microfinance 101 (https://www.kiva.org/microfinance), Top 10 things to know about microfinance (https://www.kiva.org/blog/top-10-things-to-know-about-microfinance), Microfinance interest rates explained (https://www.kiva.org/blog/whats-up-with-microfinance-interest-rates)
What is a risk rating?
The Lending Partner risk rating reflects the risk of institutional default associated with each of Kiva’s Lending Partners. A 0.5-star rating means the organization has a relatively higher risk of institutional default, while a 5-star rating indicates the organization is at a relatively lower risk of default, based on Kiva's analysis and the available information displayed in the Lending Partner section of every loan. Lending Partners with the lowest credit tier undergo a lighter level of due diligence and do not receive a risk rating; instead, in places where a risk rating would normally appear, these partners are labeled as “Experimental.” For more information, see "What is an Experimental Lending Partner?"
Direct loans also do not receive a formal risk rating. Instead, these loans are approved through “social underwriting”, where trustworthiness is determined by friends & family lending a portion of the loan request, or by a Kiva approved Trustee vouching for the borrower. Direct loans will appear as "Unrated" and lenders should always assume these loans represent the highest level of repayment risk on Kiva.
How are loans facilitated?
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
More information about successive and concurrent loans
Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Lending Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
About Kuumba Health LLC
Lenders and lending teams
Country: United States
Trustee
What are Trustee tiers?
For for more information about Trustee tiers, visit: kivaushub.org/trustee-tiers
Tags
Loan tags help lenders find loans that match certain areas of interest.
Loan details
Loan length:
Repayment schedule
Monthly: One repayment made per month
End of term: One repayment made at the end of the loan term
Irregular: Any other repayment schedule
To see a detailed repayment schedule for a specific loan, click the "Repayment schedule" link on the loan profile under "Loan details."
What is the disbursed date?
In the case of partner loans, many of our Lending Partners choose to disburse loan funds before the loan request is posted on Kiva. We allow pre-disbursal because it ensures that the funds reach the borrower as soon as they are needed. Loan funds from Kiva lenders then go to backfill that amount and as a lender you assume the risk of the loan. By doing this, our Lending Partners assume the risk that, if the loan isn't funded by lenders, they will have to fund the loan without any funds from Kiva.
If a partner loan is not pre-disbursed, it will be listed on Kiva with an expected "post-disbursed" date. If a post-disbursed loan is not funded on Kiva, there is a chance that the borrower may not receive their loan. Some Lending Partners choose to disburse loans with other sources of funding, while other partners don't have the resources available to fund loans without Kiva lenders' support. No direct loans will be disbursed unless they fully fundraise on Kiva.
Funding model
What does "Partner covers currency loss" mean & how could it affect my Kiva loans?
Potential for currency exchange loss is noted on every loan profile under the loan details:
"Yes" means the Lending Partner will cover any currency loss. Lenders will not bear losses due to currency fluctuation
"Partial" means that the Lending Partner has opted to cover losses only up to 10%. If the U.S. dollar appreciates more than 10% against the local currency, those losses will be passed onto lenders.
"No" means that the Lending Partner is not covering any currency losses and all losses will be passed onto lenders.
"N/A" means the Lending Partner disburses loans to borrowers in USD so their loans are not subject to any currency fluctuation.
Do Kiva borrowers pay any interest on their loans?
Our partners collect interest from borrowers because there are many operational expenses associated with microfinance in developing markets, especially in rural areas. Many of Kiva's Lending Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services.
Kiva will not partner with an organization that charges unreasonable interest rates, and we require Lending Partners to fully disclose their rates. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved.
There are some 0% interest loans on Kiva, including all direct loans in the United States. To learn more about the interest rates Kiva borrowers pay, you can review the "Average cost to borrower" field on a loan profile.
We also encourage you to read the following articles if you are interested in further educating yourself on the topic: Microfinance 101 (https://www.kiva.org/microfinance), Top 10 things to know about microfinance (https://www.kiva.org/blog/top-10-things-to-know-about-microfinance), Microfinance interest rates explained (https://www.kiva.org/blog/whats-up-with-microfinance-interest-rates)
What is a risk rating?
The Lending Partner risk rating reflects the risk of institutional default associated with each of Kiva’s Lending Partners. A 0.5-star rating means the organization has a relatively higher risk of institutional default, while a 5-star rating indicates the organization is at a relatively lower risk of default, based on Kiva's analysis and the available information displayed in the Lending Partner section of every loan. Lending Partners with the lowest credit tier undergo a lighter level of due diligence and do not receive a risk rating; instead, in places where a risk rating would normally appear, these partners are labeled as “Experimental.” For more information, see "What is an Experimental Lending Partner?"
Direct loans also do not receive a formal risk rating. Instead, these loans are approved through “social underwriting”, where trustworthiness is determined by friends & family lending a portion of the loan request, or by a Kiva approved Trustee vouching for the borrower. Direct loans will appear as "Unrated" and lenders should always assume these loans represent the highest level of repayment risk on Kiva.
How are loans facilitated?
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
More information about successive and concurrent loans
Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Lending Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
Trustee
What are Trustee tiers?
For for more information about Trustee tiers, visit: kivaushub.org/trustee-tiers
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