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Cosmas K

Cosmas is from Kenya. He has 5 children. He needs a loan of $200 The loan amount will be used to add stock to his business.

(Mutha) Mutomo
other entrepreneurs here Kenya


Cosmas is from Kenya. He has 5 children. He needs a loan of $200 The loan amount will be used to add stock to his business.

  • Top Goals The loan amount will be used to add stock to his business...
  • Children Helped 5
  • Number of Employees 2

Cosmas's Story

Cosmas has a mobile business where he sells small commodities throughout local communities. He lacks the necessary capital to add to his merchandise. A loan will help him to expand his business, pay for his children's school fees and meet their basic needs. His main goal is to open a wholesale shop in his town, Mutomo.

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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.

Cosmas's Community

Mutomo is situated in a semi-arid area of Kenya. Nearly 75 percent of the residents live under the official poverty level of US$1.25 per day. Lack of fresh water is a major problem. There are no paved roads in the district. The main economic activities are small scale crop farming and keeping of drought resistance domestic animals.

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. With long distances between home and school and children needing to help on the farm, many do not get to attend school.

Irregular and uneven distribution of rain causes food shortages. Rain water is collected for drinking because water extracted through boreholes is most often too salty for consumption or irrigation.

Mutomo’s population of 33,000 is being assisted by World Vision to access clean water, strengthen food security and ensure HIV and AIDS care and support. Income-generating opportunities are provided for widows and orphans and vulnerable children.

Cosmas's Mid Term Update April 10, 2012

Thank you for supporting a small business loan for Cosmas Kiema to expand his retail business where he sells mobile phones. After receiving the loan from World Vision, he invested the $200 to add stock to his business.

Cosmas has been repaying his loan on time with his new profits. He makes weekly payments of $4. In addition to repaying his loan, Cosmas is using the additional income to buy supplies in bulk and expand the current business. Cosmas' 5 children continue to study in school.

Cosmas is grateful for the loan from World Visoin. Thank you for supporting Cosmas and World Vision Micro!

Cosmas's Final Update September 25, 2012

While Cosmas Kiema initially invested in his business loan by purchasing merchandise to restock his business, he has struggled to repay his loan. While we continued to work with Cosmas to help him reestablish his business, we regret to report that Cosmas has now defaulted on his loan.

Cosmas prays that he will someday be able to restart his business so that he can better provide for his family. Cosmas would like to sincerely thank the donors who partnered with him. Please pray for Cosmas and his 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.

Total Amount

Amount raised


Help Cosmas


4 Donors

  • Rachel
    October 23, 2011
    Contributed to 5 other loans
  • Trinity
    October 23, 2011
    Contributed to 100 other loans
  • Kyle
    October 25, 2011
    Contributed to 12 other loans
  • Earl
    October 25, 2011
    Contributed to 1 other loans

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