A loan of $750 helped to purchase assorted tailoring accessories including lining, buttons, canvas, hooks, thread and school uniform materials.

Stephen's story

Stephen Ndegwa is 19 years old. He is a very active young man who finished secondary school last year with a grade point average of B+. After finishing school, Stephen decided not to be idle and hanging out with the wrong company. He was worried that without a job he would be influenced towards bad behavior, such as bhang smoking and drinking. Stephen says these activities are common to young men who are idle, due to lack of employment. Stephen reasoned with his mother and she was very happy that he showed interest in joining in her business.

Stephen’s mother has a big stall in Kitengela, where she does tailoring. She decided to partition off a section of her stall, where Stephen started selling school uniforms on her behalf. After a probationary period of eight months, his mother noticed that Stephen was a very good salesman and that he interacted with the customers well. His mother gave him a loan of Ksh 40,000 (US$ 570) so that he could purchase tailoring accessories and sell them in his section of their stall. He sold the entire inventory within one month and his mother was very impressed, especially when he immediately repaid half of the loan (Ksh 20,000). Stephen’s mother saw his determination and told him not to repay the outstanding balance of his loan, but rather to increase his stock for the business. This activity was all in August 2007, and since then his business has grown tremendously.

With the blessings of his mother, Ndumi Mutua, who has also benefited from a Kiva loan, Stephen would like Kiva to help him become a shining example to his fellow young men in Kitengela. He is therefore requesting a loan of US$ 750. With this loan Stephen will be able to purchase hooks, canvas, threads, materials for uniforms, buttons, and linings. These materials will greatly improve his business since customers will have access to a wide variety and they will save time and money. Normally, customers in Kitengela have to travel to Nairobi in order to buy school uniforms. Stephen intends to repay this loan within a period of 10 months.

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Loan details