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Joyce N. M. is married with five adult children. Her business is located at the busy Shiro market in Kakamega — a region in Kenya that produces sugar cane, known as the sugar belt region. She sells milk to the local restaurants and residents in the Shiro area.

Joyce also owns a hardware store where she sells such items as iron sheets, cement, and nails. She has been in this business for fifteen years. She says that her business is profitable and her only major challenge is competition from other people in the area doing the same kind of business. However, she works very hard to keep her business doing well and is using her loan of Kes 70,000 to grow her milk business and increase her stock of hardware items. In the future, she hopes to open another hardware store since that business is more profitable. She also sees herself buying a car and a house. Joyce describes herself as hardworking, polite, and generous.

About Kenya

  • $1,800
    Average annual income
  • 544
    View loans »
    Kenya Loans Fundraising
  • $49,761,875
    Funds lent in using Kiva
  • 80.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Joyce milk and items for her hardware store e.g. iron sheets, cement and nails.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 8, 2010
Dec 20, 2010
Currency Exchange Loss:
Nov 23, 2011