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Monicah is a 38-year-old married woman. She has three children whose ages range from 10 years to 18 years. She describes herself as self-reliant and hard working. She runs an agribusiness where she sells tomatoes, onions, beans, and fruits like bananas, melons, and mangoes. She also has a retail business selling water to customers.

Monicah has had this business for eight years and employs two staff members. Her business is located in a busy market area and her primary customers are local residents. She describes her biggest business challenge as the outbreak of crop diseases, which affect her business greatly. She will use the loan of 11,100 KES to purchase a water tank, which will be used by her family members on household chores.

Her business goal is to expand her business and generate more income within 5 years. She hopes that in the future, she will expand her business with the help of financial support through SMEP DTM, Kiva's field partner.

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
  • 86.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Monicah to purchase a water harvesting tank.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 4, 2013
Currency Exchange Loss:
Nov 17, 2013