Loan Programme Continues Success

Gem Village, Kenya


GHNI has been leading in bringing lasting transformation to several villages by applying the principle of Transformational Community Development (TCD) in all major areas of human need: Water, Education, Food, Micro Entrepreneurship, and Wellness. Progress in these areas has been made possible, not by ourselves alone, but with support from donors, village partners, the committee and community at large.


In Gem village, it’s always a great moment for us to hear stories of success as women share their personal experiences and challenges. Veronica is one of the microloan entrepreneurs. She runs a mitumba business (second-hand cloth) inside Isiolo market, in Isiolo County. Before receiving the soft loan from GHNI, “We could not manage to eat properly or live even a moderate life. Finding school materials, like books and uniforms for our children was difficult,” she says. Veronica lives with her husband and their six children in Gem village. They are subsistence farmers, so they rely on what their land can produce to eat, but often this was not enough. Her husband works as a casual labourer, but jobs are few, meaning that Veronica is the primary breadwinner. With eight people financially dependent on her, Veronica’s small Mitumba shop wasn’t making enough to provide for the family. 


Veronica joined a self-help loan group with the aim of expanding their family income. She needed to be able to better provide for her family. With the support and education given her, she has learnt how to make a business plan, conduct market research, and the importance of saving. The loan and her new skills have meant that her Mitumba business has grown and expanded, hiring two employees. 


Today, Veronica’s store stocks a wider range of products, which has increased her sales and income. Veronica is very proud that she has been able to purchase a piece of land for the family and is able to send all her five children to school and has been able to buy fertiliser that has increased her crop yield. With the capital brought in, Veronica has begun a number of other business ventures and is becoming a role model for many women in the villages.


Thank you!


GHNI National Field Leader