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Halima is a widow with six children, all of whom graduated from school. She owns a house that has electricity but no piped water. Her greatest monthly expense is food for her family.

For the past ten years, Halima has operated a business selling maandazi (dumplings) from door to door and from home to her neighbors. The main challenge she faces in her business is seasonality. She dreams of establishing real estate houses in the future. With her 20,000 KES loan, she wants to renovate her house and purchase blocks and cement. Halima decided to join Kiva partner, Yehu, to access loans to raise her living standards.

Additional Information

About Yehu Microfinance Trust

This loan is administered by Yehu Microfinance Trust, which was founded in 1998 as a project of CHOICE Humanitarian Kenya. In July 2007, Yehu became a separate entity from CHOICE and was registered as a trust. Since then, Yehu has expanded to cover over half of Kenya’s 13 coastal districts.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Kenya

  • $1,800
    Average annual income
  • 507
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 84.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Halima to renovate her house and purchase blocks and cement.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 17, 2011
Apr 14, 2011
Currency Exchange Loss:
Apr 16, 2012