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Pamela Adhiambo

Pam Curios

Lang'ata, Kenya

[Image]
4th loan
Personal Story

I grew up in up country (Siaya) in a family of 6 siblings. My parents were peasant farmers. They were able to educate us and I went up to secondary school but dropped out in Form 2 due to high school fees.

I came to Nairobi in 1988 after I got married. My Husband and I were blessed with 6 children but 2 passed away. In 1993, to help support my family, I started a food business but in 2005 my premises were demolished by the city council.

However I was not deterred. Shortly thereafter, I started my current business selling curios and detergents in Kibera. One day, my dream is to be a major supplier in Kenya for curios and detergents.

Personal Update - Oct 2, 2013

My life has improved since the last loan in terms of income. Am able to pay fees for my two children in high school.

Personal Update - Mar 14, 2013

The last loan have helped me. I am now earning more profit from the business which has enabled me to pay school fees for my children without struggle and am also supporting two orphans by paying their school fees. My business is well-stocked and my poultry is also doing well as a side business, thanks to my lenders and Kiva Microfunds-- keep up the good work

Personal Update - Sep 17, 2012

I have been able to support my children from the income that has been constantly coming from my business after I added more stock.

Business Description

My business makes curios and detergent which I then sell. I started this business in 2005 after my food kiosk was demolished by the city council. I wanted to start my own business to make a livelihood after this setback and also empower other women to make a livelihood as well.

My customers are locals and tourists. I want to be a supplier in the country and the region.

My biggest challenge is competition. Many people have started doing the same business thus saturating the market. My desire is to bring in new and unique designs.

Business Update - Oct 2, 2013

Since I received my last loan, I was able to make new products e.g. clutch purses, kanga earrings, woolen mats.

Business Update - Mar 14, 2013

The business is well-stocked compared to before the last loan. I am earning more profit now which helps me address some of my basic needs, and every week I can come up with new designs which attracts more customers thanks to my lenders.

Business Update - Sep 17, 2012

My last loan helped me buy raw materials for designing new and unique jewelry. Since getting the first loan, my sales have increased noticeably.

What did you use your last loan for?

I used my loan for the stated purpose, to buy additional stock of African kanga.

What is the purpose of this loan?

This loan will help me make more purses since the demand is high and this will increase my income in terms of profit.

Pamela Adhiambo's loan is endorsed by Davis Mkoji. The information below explains why her trustee thinks Pamela Adhiambo is a great candidate for a Kiva Zip loan.

Endorsement for this loan

How has the borrower's personal life and business changed since receiving a Kiva Zip loan?

Yes her personal life and business has improved since receiving the loan from kiva zip.

Why are you recommending this borrower for another loan?

The borrower has finished paying her loan in full and she is a very hard working lady who needs this kind of support.

Update to original endorsement - Mar 21, 2013

How has the borrower's personal life and business changed since receiving a Kiva Zip loan?

Yes indeed she has been able to expand her curio business and now she has international orders

Why are you recommending this borrower for another loan?

She has shown due diligence and the loan has transformed her business. More can be done.

Update to original endorsement - Sep 17, 2012

How has the borrower's personal life and business changed since receiving a Kiva Zip loan?

The Loan has enabled Pamela to diversify her business from a curio dealer to incorporate other components that complements her financial management.

Why are you recommending this borrower for another loan?

She has used the loan for the purpose it was intended for and she requires an additional funding to further the objectives of the business.

Original endorsement - Jun 12, 2012

When and how did you meet this borrower?

I have known her for the last three years now. We did a fellowship in the same church and she is a member of the church bible study group that I lead. i know all her children and we interact with her every week.

Tell us about this borrower's personality and character, and why you are endorsing him or her for a Kiva Zip loan.

She is a hard working single mother of four, a diligent business woman who strives to provide for her family.

Please describe how a Kiva Zip loan to this Borrower will have a significant and positive social impact on their life.

Pamela needs the loan to help her boost her business which has been in existence for the last four years now. She will be able to serve more clients and make more profit to improve the lives of her family members.

Please describe why this Borrower is requesting a loan from Kiva, as opposed to a traditional loan.

She had another loan with local microfinance institution that really stressed her since the interest charged was exorbitant.

What are the challenges that you expect this borrower to face in repaying their loan?

the only challenge we are anticipating is lack of clients.

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PAYING BACK

A loan of $625 helps me to buy additional materials / products for my store.

Disbursed Oct 15, 2013
Repayment Term:
9 monthly payments
Grace Period:
N/A
Listed:
Oct 8, 2013
Disbursed:
Oct 15, 2013
Paying Back:
Oct 15, 2013

About Pam Curios

Industry:
Beauty / Cosmetics
Years in Operation:
More than 5 years
Badges:
Badge_repayment_silver_smallBadge_connectedness_gold_small

Previous Loans

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Amount
$375
Paid Back
Sep 24, 2013
[Image]
Amount
$250
Paid Back
Feb 2, 2013
[Image]
Amount
$125
Paid Back
Aug 20, 2012

What are Borrower Badges?

Borrower Badges are a system designed to recognize and reward borrowers’ engagement with the Kiva Zip website.

There are two types of badges that are tiered like medals: Gold, Silver and Bronze.

  1. 'Repayment badges' are awarded for the on-time repayment of loans.
  2. 'Connectedness badges' are awarded for engagement with the Kiva Zip website.

This loan is endorsed by

Trustee Type:
Individual
Location:
Nairobi, Kenya
Badges:
Badge_repayment_gold_small Badge_connectedness_gold_small
On Zip Since:
Jun 10, 2012
(22 months)
Loans Endorsed:
43
Total Value:
$12,150
Fundraising/Raised:
0
Paying on Time:
10
Paying Back Late:
1
Repaid in Full:
32
Defaulted:
1
Repayment Rate:
99%
Why are you endorsing Pamela Adhiambo?

The borrower has finished paying her loan in full and she is a very hard working lady who needs this kind of support.

What are Trustee Badges?

Trustee Badges are a system designed to recognize and reward trustees’ engagement with the Kiva Zip website.

There are two types of badges that are tiered like medals: Gold, Silver and Bronze.

  1. 'Repayment badges' are awarded for the on-time repayment of loans.
  2. 'Connectedness badges' are awarded for engagement with the Kiva Zip website.
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