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Francis is a businessman in Mukuru kwa Ruben, an informal settlement in Nairobi, Kenya.

His business interests in the informal settlement include water points that provide residents with safe drinking water and rental houses. Although he does not currently live in the community, the father of three was able to move himself out of the informal settlement by seizing business opportunities that presented themselves.

He first saw the Fresh Life toilet at a local pub and learned more about it from a pitch done to church members. He believes the toilets will provide residents with accessible sanitation and a cleaner environment.

He hopes to add more Fresh Life toilets to the community and be part of the solution to the sanitation challenges facing area residents.

His life long dream is to build a decent house for himself and educate his children to the highest level possible.

Additional Information

More information about this loan

Eight million people in Kenyan slums and 2.6 billion people worldwide lack access to hygienic sanitation. Sanergy aims to permanently reduce related disease in these areas by making sanitation accessible, affordable and sustainable. This social enterprise builds toilets under the “Fresh Life” brand, franchises them to local entrepreneurs, collects the waste and converts it into renewable energy and organic fertilizer.

Because Sanergy’s core business is not microfinance and its partnership with Kiva is unprecedented, these loans present some level of additional risk for lenders. Accordingly, we have not provided a risk rating for this partner.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

About Sanergy

Sanergy is a social enterprise that combines technology, entrepreneurialism and a unique business model to provide safe, accessible and affordable sanitation products and services to slum residents across Kenya. Sanergy uses the flexible, zero-interest capital provided by Kiva lenders to offer loans to its network of toilet operators. The funding covers the upfront costs of the toilet purchase, enabling operators to pay back the loan over time with the revenue generated by the toilet.

About Kenya

  • $1,800
    Average annual income
  • 611
    View loans »
    Kenya Loans Fundraising
  • $49,786,350
    Funds lent in using Kiva
  • 84.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Francis to purchase and run two Fresh Life toilets.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 2, 2013
Apr 10, 2013
Currency Exchange Loss:
May 17, 2014