Soft Loan Success

Gem Village, Kenya


The four years are almost over and the good news is that GHNI has worked hard to accomplish their mission of restoring hope to the hopeless through community and individual transformation. The five areas of Transformational Community Development (TCD) are used as transformational indicator tools since they are the basic needs of any healthy family.


Mama  Karani’s family was once very unstable due to their high level of poverty. Both husband and wife did not have permanent jobs and they depended on the casual labour of the husband to strive hard every morning to get the tiresome job of loading and off-loading luggage from the lorries. During that time, he brought home Ksh 200 which was not enough for his family and sometimes they would end up having just one meal a day.


The challenge was unbearable and their children dropped out of school because hunger made it impossible for them to concentrate. Their oldest son joined his father in the same work but there was no difference until GHNI came across this family and brought ideas which have turned their life around for good and saved their lives.


Mama Karani was empowered financially and she started a business selling cloth which actually brought more income in for her family. Out of her hard work and determination, she happened to benefit from the soft loan awarded by GHNI towards the end of 2018, and beginning this year she joined the Village Saving and Lending Association (VSLA).


Through this programme, the whole village was transformed and, as a result, we had a big celebration for all the beneficiaries on the 5th of December 2020.


Water has been a real challenge since rain has been scarce. The borehole has been drilled but the solar panel has not yet been installed.


There are no farms in this area, since water is such a continual problem. Villagers tend to use the river water for domestic uses.


Many have expanded their businesses unlike before. Others have settled their soft loans, are doing very well, and that is a good transformation indicator.


Due to COVID-19 the learning programme has been suspended.


The Transformational Community Development (TCD) workers have been well liked and recognised by the Ministry of Health for their work reaching the community with their support and knowledge. We’ve actually set a schedule where we  visit five homes every week to bring transformation to as many families as possible before we finish our five year term.  


Thank you!


GHNI National Field Leader