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Frances, is a single woman who has experienced much loss in her life and yet, through her work continues to be a positive influence in this community. Frances is a Pediatric Occupational Therapist and needs to work out of her home to support herself and to comfortably assist her young patients, ranging from 0 – 18 years of age. Her struggle began when she tried to save her childhood home after her parents suddenly passed in 1996. At that time, she was also caring for her aunt, who also eventually passed. As a result of her having to care for family members and the subsequent losses, Frances found herself struggling not only to save her childhood home, but also to survive financially. She ended up losing both her parents’ and her aunt’s home, and was left with barely enough to buy a humble house that she knew needed some aesthetic improvements.

The new home had passed an inspection and therefore Frances was not aware of the severity of damages in the home. When she moved in, she found that the home was plagued with problems such as, multiple holes in the roof, a falling ceiling and several other leakage issues that made the home practically uninhabitable. Frances has had to keep her belongings in storage, her pets boarded, and has almost depleted her savings trying to fix the home to make it livable. Her ultimate goal is to gain financial strength and stability so that she can provide a safe and secure environment for herself, as well as for her young patients. She keeps her hopes up and continues to make a positive difference in the lives of the young boys and girls that she helps.

With her KIVA loan, Frances will be able to install a drywall ceiling and a much needed air conditioner that will allow her to improve her services by providing a healthier, more comfortable and overall better environment for herself and her patients.

Additional Information

About Solar and Energy Loan Fund:

Solar and Energy Loan Fund, SELF, focuses on community development projects in underserved areas in Florida, with an emphasis on home energy improvements.

SELF uses Kiva financing to help female homeowners and veterans save money on home energy and build or strengthen their credit rating. These in-kind loans will be given in the form of energy efficiency upgrades or retrofits, and provided to low-income female homeowners and veterans that may not have solid credit history, but have income to repay a loan.


About United States

  • $54,800
    Average annual income
  • 0
    View loans »
    United States Loans Fundraising
  • $12,982,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $6,725 helped Frances to pay for a new ceiling and air conditioner to make her house more livable.
49% repaid
Repayment Term
61 months (Additional Information)
Repayment Schedule
Jul 15, 2014
Jul 14, 2014
Currency Exchange Loss: