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Joseph M

Joseph is from Kenya. He has 2 children. He needs a loan of $375 to purchase additional items for his retail shop.

other entrepreneurs here Kenya


Joseph is from Kenya. He has 2 children. He needs a loan of $375 to purchase additional items for his retail shop.

  • Top Goals To purchase additional items for his retail shop
  • Children Helped 2

Joseph's Story

Joseph operates a retail shop in his community in order to support his family. Although he would like to expand his business, Joseph is unable to do so due to the lack of capital to purchase additional items for his shop.

With a loan from World Vision, Joseph will be able to purchase additional items for his shop so as to further stock his shelves and provide a greater variety of products for his customers. With a greater quantity of goods available, his client base will also increase, leading to even more sales. In the future, Joseph intends to continue expanding his business and hopes that one day that he will own a mini supermarket in the area. With enough growth, he may even be able to offer employment opportunities to other members of his community.

With the financial stability the additional income will give Joseph, he will be able to look after all of his family's needs, improve their living conditions, and provide them a more nutritional diet. He will also be able to pay his two children's school fees so as to give them hope for a brighter future.

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Industry Info

Retail is a quick and scalable way to begin earning a profit. Many entrepreneurs begin with stalls at markets or even at home and need a loan to expand or increase their inventory. Others may be ready to open a small store. Goods purchased from loan funds range from clothing, grocery or sundry items to jewelry, candy, perfume or health and beauty supplies. Loans in the commerce sector account for around 33% of our loans.

Joseph's Community

Marafa is located in southeast Kenya. It is an impoverished community plagued by drought, high illiteracy rates, poor access to health care, and the devastating effects of HIV and AIDS. Nearly 36,000 people reside in Marafa. Main sources of income include the production and sale of charcoal. This has caused great environmental damage but in a time of food scarcity, it cannot be help. One solution is to establish tree nurseries, which could improve the natural environment and provide jobs and income.

Although enrollment in primary schools is high in Marafa, early marriages and teenage pregnancies present a challenge to girls wanting an education. Boys are affected by child labor. And because of chronic food shortages, families move from place to place in search of odd jobs, making education inconsistent. Access to clean water for drinking and irrigation is needed.

World Vision has worked hard to help the people of Marafa. Accomplishments include constructing classrooms, providing desks, sports equipment, and teaching materials. Homes were built for 30 families and food supplements were distributed to children and families.

Microfinance is helping to make a difference. The Kenya Agency for Development of Enterprise and Technology. For every $1,000 loaned, 13 jobs are created or sustained. And approximately half of loan recipients are women.

Joseph's Mid Term Update December 01, 2012

Thank you for supporting a small business loan for Joseph Mwangoma to expand his food business. After receiving the loan from World Vision, he invested the $375 to purchase additional items for his retail shop.

Joseph has been repaying his loan on time with his new profits. He makes weekly payments of $15.

In addition to repaying his loan, Joseph is using his income to pay his children's school fees, provide food for his family and buy supplies.

Joseph's two children continue to study in school.

Joseph wishes to thank you for funding the loan that helped him stabilize his business and be financially stable. It has benefited his family as a whole.

Thank you for supporting Joseph and World Vision Micro!

Joseph's Final Update February 23, 2013

Joseph Mwangoma has successfully repaid his small business loan. He invested the $375 for his convenience shop business.

Thanks to the loan that he received, Joseph was able to use the profits from his business to pay his children's school fees, provide healthcare and purchase food for his family. In the future, Joseph aspires to earn enough to send his children to school, expand his current business and take out another loan.

Joseph's two children continue to study in school. Because he was able to invest in his business, he will be able to invest in his family.

Thank you for investing in the power of hardworking people like Joseph through World Vision! These funds are now available to help other entrepreneurs in Joseph's community.

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Help Joseph

1 Donors

  • Delana
    September 08, 2012
    Contributed to 17 other loans

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