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Jacinta is a 27 year old entrepreneur and mother of four school-aged children. She and her husband live in Kisumu in Kenya. She began her current business selling second-hand clothes three years ago. She specializes in women’s clothing: skirts, dresses, and casual and formal tops. She is able to purchase a good variety at wholesale prices. And the prime location of her business on a busy street, three years of experience, and friendly interaction with customers have established a good client base. Her customers return to her shop for her wide selection or to make requests for certain styles.

Jacinta plans to expand her business with her next loan of $600.00. She will use the loan to increase her current stock of second-hand clothes and save the remaining funds in a savings account so that she may continue to purchase new stock even when cash flow slows due to delays in customer payments.

Disclaimer: Due to recent events in Kenya, the security situation in many communities remains unsettled, affecting many local businesses. Lenders to this entrepreneur should be aware that this loan may represent a higher default risk, and should be willing to accept this additional risk in making their loan.

Additional Information

Important Information

Please note that this Field Partner started working with Kiva before certain core risk and due diligence policies were put into place and therefore does not meet our current minimum risk criteria (K-Met has less than 1,000 borrowers and has not submitted recent audited financial statements to Kiva). K-Met is a unique microfinance organization that targets private health care providers and community health workers as a means to fulfill its mission of promoting development in underserved communities through innovative health and education programs. Private providers are given loans to upgrade their facilities and community health workers, who volunteer through K-Met, are given access to loan funds to grow their businesses and as a means of incentivizing them to remain involved in community health work with K-Met. Kiva was K-Met’s first external lender and the organization is rated a Kiva Star Rating of 1, which is the riskiest level. As a result of K-Met’s strong social mission and unique approach to microfinance and health, Kiva believes that loans to borrowers with K-Met may still be of interest to Kiva lenders, despite the increased risk, and has allowed the organization to continue fundraising on Kiva.

About Kenya

  • $1,800
    Average annual income
  • 416
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 61.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Jacinta purchase additional stock of second hand clothes.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 31, 2008
May 13, 2008
Currency Exchange Loss:
Dec 18, 2009