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Hadija is from Kenya. She needs a loan of $475 to purchase more fabric and other materials to make clothes.
Hadija is 25 years old and married. She creates, sews, and sells clothes, a business she has been doing for the last six years. She plans to use her money to buy more fabric and other material to create her clothes. Hadija needs the extra money to meet the increased demands of her customers in the upcoming December holiday season.
The anticipated income she will earn from the sale of her products will help her feed her family and, one day, purchase a permanent location for her business. Right now, she works out of her home and has to walk to her clients’ houses to do business, which can be tedious and waste valuable time she could be sewing or creating more clothes.
In areas where the poor live alongside the more affluent, businesses in the service sector can be very successful. Services include flower cultivation, tailoring/sewing, transportation, repair work, beauty salons and barber shops, and restaurants. Loans are needed to begin, expand, or sustain business with tools and supplies. Loans given to entrepreneurs in the service sector account for around 7% of our loans.
Riruta is in the Nairobi area of Kenya. The climate is moderate and the differences between seasons is minimal. It is a lower income area where the income is earned from industrial labor, construction, household chores, small scale trading and vocation work such as carpentry, masonry, and tailoring. More than 65,000 people live in Riruta.
Rural Kenyans generally live with their extended family in a cluster of huts, which provides shelter and symbolizes the closeness of the people living there. Family members typically share work responsibilities and resources as they support themselves through farming.
Children are considered a valuable resource. A large family means more hands to help on the farm and ensures parents will be taken care of in their old age. Education is provided by the Kenyan government for children up to age 8, however, nearly 1.7 million children do not attend school because of failing economic and social systems.
World Vision focuses on education, immunizations, HIV and AIDS prevention education, food security, and sanitation.
Hadija invested the loan in the purchase of materials that she can use for clothing. Hadija got very sick and has not been able to make all of her payments on time, as her profits dwindled during the illness.
Please continue to pray for Hadija and the success of her business.
While Hadija Dida initially invested her business loan by purchasing more fabric and other materials to make clothes, she has struggled to repay her loan.
The repayment of this loan became an unexpected burden for the family. Because of this situation; she fell behind on her payments, and over time her business failed. Hadija prays that she will someday be able to restart her business so that she can better provide for her family.
While we continued to work with Hadija to help him reestablish her business, I regret to report that Hadija has now defaulted on her loan.
Please pray for Hadija and her family during this difficult time.
Despite the fact that World Vision boasts a repayment rate greater than 98%, there will always be some loans that do not get fully repaid. While World Vision does everything it can to ensure that this does not happen, it is an unfortunate reality that must be recognized when providing loans to less fortunate populations.
Thank you for your understanding, and your support of World Vision Micro. If you have any questions or concerns, please feel free to call our Customer Care line at 1-888-511-6444.