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Update on Ephys

Ephys runs a private service vehicle business. His wife, kids, and business are doing well. He is now applying for his second loan with KADET LTD after repaying the previous loan successfully. He plans to use this new loan to service his vehicles, as they are due. With the profits he earns from his business, he plans to educate his children and to expand his dairy farm. His dreams are to buy a piece of land and construct a permanent house in his hometown.

Previous Loan Details

Ephys, age 45, runs a private service vehicle office to earn his living. He has been operating this business for the past 10 years and earns a monthly income of KES 20,000, which he uses to support his family. His wife Monica works as a mixed-crop farmer. They are blessed with two children, aged ... More from Ephys's previous loan »

Additional Information

About VisionFund Kenya

VisionFund Kenya is dedicated to economically empowering its clients by providing financial services to improve living conditions of micro-entrepreneurs and their children across Kenya. VisionFund Kenya is the microfinance subsidiary of World Vision Kenya. Obtain more information on VisionFund Kenya from its website.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Kenya

  • $1,800
    Average annual income
  • 412
    View loans »
    Kenya Loans Fundraising
  • $50,225,025
    Funds lent in using Kiva
  • 86.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Ephys to service his vehicles.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 23, 2012
Dec 21, 2012
Currency Exchange Loss:
Dec 17, 2013
This photo was used before for a previous loan for Ephys. It was first posted on Kiva on Jun, 2012. Learn More