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In this Group: Joseph, Kanasa, James, Cicelia, Alex, Adan, Habiba*, Maria, Nuney, Ali, Meeyu, Charles, Vincent, Khadija, Eric
* not pictured
Joseph is a restaurant owner in Naikarra, a town that is about two hours’ drive from the national grid power in Kenya. He has a wife and three children: two boys and a girl, who study at the neighboring school. For his restaurant, Joseph has a small solar system that he uses to power his television set. The presence of the television attracts many customers especially during the night, when people are interested in watching the news. Unfortunately, his solar system is not big enough to power his television all evening, causing him to lose customers and revenue. For lighting, he uses small dry cell battery and kerosene powered lamps which are expensive and do not provide adequate lighting for his family and business needs.

The presence of a solar powered micro-grid in Naikarra will allow the residents to run their businesses longer, more efficiently, and in a healthy environment. Their businesses will now be free from the smoky kerosene lamps, noisy generators, dim candles, and the inefficient DC solar systems that they currently use. As for Joseph, he will be able to keep his restaurant open later, offer phone charging services, and provide cold beverages to his customers. He plans to take his children to a better school, expand his restaurant, and open a lodging with his increased profits.

In addition to Joseph, the micro-grid will serve fourteen other customers. They are Kanasa, James, Cecilia, Alex, Eric, Khadija, Adan, Ali, Meeyu, Habiba, Maria, Nuney, Charles, and Vincent. They all look forward to increased economic activity in the town through the efficient and affordable energy the micro-grid will bring.

Additional Information

More information about this loan

PowerGen is a Nairobi-based renewable energy enterprise, founded in 2013, that aims to improve access to electricity in rural regions of East Africa by providing communities with micro-grids. PowerGen seeks not only to reduce dependence on inefficient, expensive and harmful forms of energy (e.g. kerosene) but also to unlock the potential contained within these communities by supplying them with enough power to drive forward economic growth.

By partnering with Kiva, PowerGen will be able to provide micro-grids to communities on credit, thereby vastly increasing the organization’s impact. Kiva lenders’ funds will help PowerGen to provide in-kind micro-grid loans, which will be repaid over the loan term with the 2.7 cent fee that users pay per kilowatt hour. A 5-10% loan administration fee will be applied over the loan term.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Kenya

  • $1,800
    Average annual income
  • 1061
    View loans »
    Kenya Loans Fundraising
  • $47,238,475
    Funds lent in using Kiva
  • 87.8
    Kenya Shillings (KES) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A portion of Naikarra Group's $13,025 loan helped a member to connect to the solar micro-grid in Naikarra, enabling him to attract more customers to his restaurant and earn additional income for his family.
16% repaid
Repayment Term
86 months (Additional Information)
Repayment Schedule
Sep 1, 2014
Aug 1, 2014
Currency Exchange Loss: