Margaret lives in Lower Kachola which is located on the hillside overlooking Lake Victoria. She lives with 7 family members and supports two of her grandchildren, one of whom is an orphan studying at Mercy Primary School.
Margaret received a loan of 20,000 Kenyan Shillings (approximately £130) and used the money to establish a water transporting business. Her loan was used to purchase two donkeys and some jerry cans to carry water. She also kept a little of her money as a contingency to ensure that her donkeys could receive medical treatment if necessary.
Every morning Margaret goes down to the lake with her donkey to collect water. The donkey then carries the water back up to her home from which she supplies the water to locals at a cost.
Before receiving this loan Margaret did not have a business and had no steady source of income. As she had no income she had no way to generate capital to allow her to build a business. The only breadwinner in her family was her husband who died a few years ago. Now Margaret has been empowered to make money for herself and her family, Margaret feels very happy and proud and no longer has to rely on donations from others.
Her new income allows her to pay for her grandchildren’s school fees, pay the loan repayments and even save a small amount each month. Margaret feels her business is a success and it is very important to her as the income it has generated has been hugely beneficial to her whole family. In the future she hopes to buy a donkey cart which will enable her to transport more water, in turn increasing her profit. She also hopes her donkeys will give birth so her business can expand naturally.