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Janet Kaniki

Update on Janet Kaniki

Janet is a single woman. She has been operating a retail store where she provides M-pesa (mobile phone money transfer) services for the last four years as a Safaricom Agent.

Previously, she took a loan of KES 20,000 which she managed to pay back successfully. This is her third loan with SMEP DTM. She plan to use the loan of KES 40,000 as M-pesa float for the M-pesa services. Janet looks forward in the future to expanding her business.

Previous Loan Details

Janet, 31 years old, is a single woman. She has no children yet. For the past one year, she has been selling mobile phones, phone accessories, and providing phone charging services. In addition, she is employed as a Safaricom agent. Sometimes in her business she faces a challenge of delayed ope... More from Janet Kaniki's previous loan »

Additional Information

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
  • 1071
    View loans »
    Kenya Loans Fundraising
  • $47,238,475
    Funds lent in using Kiva
  • 85.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Janet Kaniki to add a float to her M-pesa service.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 23, 2013
Currency Exchange Loss:
Mar 17, 2014