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Helen is a married woman. She has 3 children with ages ranging from 12 years to 23 years. She describes herself to be ambitious and determined. She operates a dairy farm where she sells milk. She has been involved in this business for 15 years and employs 6 staff members. Her business is located in a high-traffic area, and her primary customers are schools, churches, business owners, and local residents. She describes her biggest business challenge to be the high cost of cow food. She will use the Kes 74,800 loan to buy a water tank for family use and cow feeding. Her business goal is to own 100 cows for milk within 5 years. She hopes that in the future, she will expand her business and grow it into a dairy company. Helen also does farming. She had taken out five loans from SMEP DTM which she managed to repay.

Additional Information

More information about this loan

This loan is a part of SMEP's loan program to promote clean drinking water in partnership with Called WASH (Water, Sanitation and Hygiene), this program offers three loan products:

1)      Loans designed to increase access to water. This includes financing for water tanks, water connections, water kiosks, pumps, filters, dispensers and catchment systems.

2)      Loans for sanitation improvements. This includes financing for the construction of bathrooms, toilets, septic tanks, soak pits, pit latrines, disposal units and incinerators.

3)      Loans for the drilling and construction of boreholes, shallow wells and water towers. This also includes the establishment and improvement of water treatment plants and chemicals.

WASH loan products carry greater risk than typical Kiva loans because they are used to fund non-income generating assets (in most cases), and therefore will need to be repaid with other sources of income. This income may already be contingent on other loans held by loan recipients.

About Kenya

  • $1,800
    Average annual income
  • 516
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 84.0
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Helen to buy a water tank.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jul 31, 2012
Aug 23, 2012
Currency Exchange Loss:
Mar 15, 2013