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Ephron lives in Kilifi, Kenya. He makes cushions and sells them. This has been his business for the last ten years. He started the business from his personal savings. The business has continued to grow and he has been able to support his family. He knew about Milango through friends and since he wanted credit he decided to join. He now seeks a loan to buy canvas, Kiwi (shoe polish) and animal hides. He has an ambition to buy his own piece of land and build a shop so that he can avoid paying rent that has been cutting his profits.

There are little challenges that affect his business with the major one being taxation. He plans to open other businesses and diversify his earnings. Ephron is 41 years old, a husband and a father of one.

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More information about this loan

This loan is part of Milango's program designed for organic tea tree farmers in the Mt. Kenya region of the country. Partnering with Earth Oil -- a major distributor of organic and sustainable oil products -- and the USAID-funded FIRM project, Milango is offering loans to help groups of tea tree farmers establish steady and reliable incomes. FIRM provides skills training to farmers and Earth Oil provides seedlings and purchases the final products, guaranteeing a market. Accordingly, farmers' loan repayments are deducted from Earth Oil's purchasing prices, streamlining the process. Also easing the repayment process, Milango has built in an 18-month grace period to account for the time it takes for tea trees to mature and begin generating profits, and has waived its savings requirement.

About Kenya

  • $1,800
    Average annual income
  • 582
    View loans »
    Kenya Loans Fundraising
  • $49,791,725
    Funds lent in using Kiva
  • 86.0
    Kenya Shillings (KES) = $1 USD