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Emily J is from Kenya. She needs a loan of $725 to buy more grains to sell.
Emily J is from Kenya. She needs a loan of $725 to buy more grains to sell.
Emily J, a mother of three from Emsea, Kenya, buys and sells grains and also runs an M-pesa (a mobile money transferring service). Her current challenge is the fluctuation of the prices of goods and competition of the business in the area.
With a loan through World Vision, Emily J will be able to restock grains, expand her business, and employ others in her community. Additional income earned will allow Emily J to improve the standard of living and better provide for her family.
In the future, Emily J would like to expand her business into an enterprise.
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.
Kabarnet is located in Baringo District in the Rift Valley Province of Kenya. It is characterized by uninhabitable desert and fertile farmland, flat arid plains and steep slopes. 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 in Kenya. 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.
With a population nearing 75,000 and 20 percent being children under 5, access to health services is limited in Kabarnet. According to the World Health Organization, the leading causes of death among children younger than 5 are pneumonia, diarrheal diseases, HIV and AIDS, and malaria. Efforts are being made to strengthen the capacity of health workers and services. To receive care, people must travel, usually on foot, at least nine miles to the nearest health center.
In Kabarnet, World Vision also focuses on education, immunizations, HIV and AIDS prevention education, food security, and sanitation.
Thank you for supporting a small business loan for Emily Chirchir to expand her food and services business where she sells grains for a living. After receiving the loan from World Vision, she invested the $725 to buy more grains to sell.
Emily has been repaying her loan on time with her new profits. She makes weekly payments of $13. In addition to repaying her loan, Emily is using additional income to pay school fees and expand the current business and do home repairs. Emily's 3 children continue to study in school. Thank you for supporting Emily and World Vision Micro!
