Update on JudithJudith is 29 years old, married and has two children. She describes herself as a focused woman. She operates a school where she provides education for children. She has been involved in this business for two years. Her business is located in a viable business area and her primary customers are residents from the nearby town. She describes her biggest business challenge to be delayed payment from students' parents and guardians. She will use the KES 50,000 loan to buy teaching kits. Her business goal is to expand her school within five years. She hopes that in the future, she will own land. This is her second loan with SMEP DTM. She was able to pay her previous loan of KES 20,000 successfully.
Previous Loan DetailsJudith is a married woman. She has 2 children, ranging in age from 5 years to 15 years. She describes herself to be kind, honest and God-fearing. She operates a school where she provides education. She has been involved in this business for 1 year. Her business is located at a highly populated ar... More from Judith's previous loan »
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Jan 22, 2013
- Jan 24, 2013
- Currency Exchange Loss:
- Apr 16, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.