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Vivian is a student applying for a loan to purchase a laptop to assist in her studies at Strathmore University and this is her story:

My name is Vivian. I am 22 years old and from a single parent family of six. It consists of my mother and five siblings. Currently, I am a second year student at Strathmore University studying for a Bachelor of Commerce degree. I chose Strathmore University as I love business ideas and always wanted to specialize in marketing and accounting. Strathmore University is the leading institution for business courses. l chose it to help me gain the knowledge needed for the job market.

I am applying for a loan to enable me to purchase a laptop which will help me with my research work and provide access to the e-learning site including uploading assignments. This will ensure that I can access my course at any time from anywhere. I will also be able to complete my final year research project on time.

After completing my degree studies, l want to be a financial adviser to corporations in Kenya. l feel l can give a lot to this sector. This laptop will be a major tool in achieving my dreams.

Additional Information

Important Information

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

Strathmore University is one of the leading private chartered universities in Kenya, and is a privately owned, not for profit institution. Originally established in 1961 as an Advanced-level Sixth Form College with inspiration and encouragement from Saint Josemaria Escriva, founder of Opus Dei, Strathmore University started offering degrees in 2002 before becoming fully chartered in 2008.

Strathmore University is a non-traditional Field Partner, in that they are an educational institution, not a microfinance institution. Lenders to these loans should be aware of the following:

1 - You might not begin to receive repayments on this loan for many years, and this loan may have terms as long as 11 years. The full-tuition loans administered by Strathmore University can have loan terms of up to 11 years, which includes a grace period of up to 5 years. The grace period includes the time during which the student is enrolled at the university, and the first year after graduation. During the grace period, the borrower is not required to make any repayments, and you would not receive any repayments. Please be sure the loan terms and repayment schedule of this loan suit you.

2 - Administering loans is a new activity for Strathmore University, which can increase the risk on this loan. While most Kiva Field Partners are microfinance institutions and therefore experienced at administering loans, Strathmore University's core business is providing education, and they are inexperienced at administering loans. This partner has passed Kiva's due diligence requirements for a non-traditional Field Partner, however lenders to this loan should be aware that this loan carries some additional risk as Strathmore University becomes more experienced with administering loans to students.

For more information on Strathmore University, and the Kiva loans they are administering, please visit the Field Partner page.

About Kenya

  • $1,800
    Average annual income
  • 580
    View loans »
    Kenya Loans Fundraising
  • $49,852,625
    Funds lent in using Kiva
  • 82.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Vivian to purchase a laptop which will help her with research work and allow access to coursework off-campus and access to the e-learning site.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2012
Feb 16, 2012
Currency Exchange Loss:
Nov 5, 2013