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Ruth is a 35-year old Kiva borrower. She describes herself as God-fearing and hopeful. Ruth farms for a living.

She is married and has five children who are between the ages of 1 and 16. She is requesting a loan of KES 15,600 to buy a 2,300 liter water tank. Her family faces a challenge of accessing clean water and this tank will benefit her eight-member family. The tank will enable them to store clean water for domestic use.

This is Ruth's second loan with SMEP DTM. A previous loan of KES 20,000 was repaid successfully. She hopes to provide both physical and spiritual security for her family.

Additional Information

More information about this loan

This loan is a part of SMEP's loan program to promote clean drinking water in partnership with Called WASH (Water, Sanitation and Hygiene), this program offers three loan products:

1)      Loans designed to increase access to water. This includes financing for water tanks, water connections, water kiosks, pumps, filters, dispensers and catchment systems.

2)      Loans for sanitation improvements. This includes financing for the construction of bathrooms, toilets, septic tanks, soak pits, pit latrines, disposal units and incinerators.

3)      Loans for the drilling and construction of boreholes, shallow wells and water towers. This also includes the establishment and improvement of water treatment plants and chemicals.

WASH loan products carry greater risk than typical Kiva loans because they are used to fund non-income generating assets (in most cases), and therefore will need to be repaid with other sources of income. This income may already be contingent on other loans held by loan recipients.

About Kenya

  • $1,800
    Average annual income
  • 572
    View loans »
    Kenya Loans Fundraising
  • $49,768,275
    Funds lent in using Kiva
  • 86.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Ruth to buy a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Jul 27, 2013
Currency Exchange Loss:
Dec 17, 2014