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Winnie Njoki

Update on Winnie Njoki

Winnie has two children, who are aged 21 and 18 years. She is happy that the previous loan helped her to improve her business, as she had a lot of harvest from the maize seedlings that she had bought and planted using the loan funds.

Now, Winnie has applied for her third loan from KADET LTD. She will use it to enable her to buy more seedlings and fertilizers to use on her farm. She hopes to see her business do better, in the near future.

Previous Loan Details

Winnie used her previous loan amount to buy potatoes, carrots and onions to sell in her business and it has been profitable. Besides the milk and vegetable business, she also plants cash crops such as beans and maize to sell. This being her second loan term, she plans to use the amount to buy ... More from Winnie Njoki'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
  • 1044
    View loans »
    Kenya Loans Fundraising
  • $47,167,325
    Funds lent in using Kiva
  • 85.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Winnie Njoki to buy maize seedlings and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2013
Mar 31, 2013
Currency Exchange Loss:
Apr 16, 2014
This photo was used before for a previous loan for Winnie Njoki. It was first posted on Kiva on Oct, 2012. Learn More