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Norah is a 30-year-old mother of one. She trained as a primary school teacher in 2008 but ventured into retail business after being unsuccessful in securing employment in her profession. She started a retail shop dealing mainly with clothes but later diversified to include household stuff and general merchandise due to slow business with the clothing. Norah has also attended youth entrepreneurship training organized by Technoserve, an international organization in its rural youth development program. From this training, Norah has learned business management, entrepreneurship development and personal finance skills which have improved her management skills a lot.

Norah was introduced to the solar products through Brazafric's business linkages with Technoserve at a youth open day. She appreciates the benefits that accrue from the use of lanterns and with the Kiva financing option from Brazafric, Norah is seeking to purchase the solar products for stocking and reselling to her community. Norah highlights that she would also buy the solar lanterns so that she could increase her working hours at her shop. With the solar lamps there are no extra costs on kerosene and she can use the solar energy for lighting and charging her mobile phone.

Additional Information

More information about this loan

To make repaying loans more convenient for borrowers, Kiva will accept "bullet payments" -- single lump payments -- at the end of loan terms, rather than weekly or monthly payments. This gives BrazAfric the ability to tailor repayment schedules to individual clients.

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

Important Information

Aside from its newly-established Vendor Financing Department, BrazAfric’s core business is not microfinance or finance. Thus, there is some level of additional risk for lenders that does not exist with financial institutions. Kiva’s partnership with the company is unique and unprecedented. For this reason, Kiva has not assigned BrazAfric a risk rating.

About Kenya

  • $1,800
    Average annual income
  • 430
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 86.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Norah to buy solar lanterns.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Dec 18, 2012
Currency Exchange Loss:
Sep 19, 2013