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Joseph is a married man. He has six children. He describes himself as ambitious.

He operates a Nissan with which he provides transport to passengers and businesspeople. His business is located at a viable location and his primary customers are local residents.

He describes his biggest business challenge as insufficient funds for improving the business. He will use the KES 32,700 loan to buy a water tank that will be used by his eight family members.

His business goal is to run a new business of rental houses within five years. This is his fifth loan with SMEP DTM. The previous one of KES 70,000 he managed to pay well.

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
  • 825
    View loans »
    Kenya Loans Fundraising
  • $46,969,425
    Funds lent in using Kiva
  • 85.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Joseph to buy a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2012
Nov 24, 2012
Currency Exchange Loss:
Dec 17, 2013