A loan of $700 helped to add stock of Vitenge, Masaai attire and sandals.


Joyce's story

This business is a member of the Golden Crown group. Group lending, also known as solidarity lending, is a mechanism that allows a number of individuals to provide collateral or guarantee a loan through a group repayment pledge. The incentive to repay is based on peer pressure; if one person in the group defaults, the other group members make up the payment amount. - Kiva Staff

Joyce started by hawking shoes and sandals but due to credit sale the business didn’t succeed. She joined a women group where she was given a loan of Usd 208 for 10 months to restart my business. Having the experience on credit sales Joyce sell her goods strictly on cash basis and this has lead to the success of her business. She has acquired a stall where she does her business and can be able to move far and wide to buy her stock.

She has been able to take subsequent loans of Usd 278 and 416 each for a period of 10 months both loans were used to buy more stock.

Joyce has also been able to attend several exhibitions in different countries and this has given her exposure in running and managing the business.

Given the Usd 700 she will be able to buy more stock and meet the rising demand from her customers.


Loan details


Lenders and lending teams



Loan details