Giving Back 2017-12-19T03:27:26+00:00


When I first decided to go into business as a photographer full time I knew I would encounter some challenges. However, at no time was I worried about being able to feed and take care of my family. The main reason is that I have a very supportive wife and she has a great job that we knew could sustain us as I built up my business.

Unfortunately, that’s not the case in for most people, especially women, in many places around the world. I knew from the moment I made my first dollar as a professional photographer that I wanted to do something to give back.

In April 2013, I was introduced to, an amazing Micro-Lending platform. From that moment a portion of all session revenue is invested in female entrepreneur from developing countries.

Why are you only Investing in Women?
Since my time as an infantry officer with the Princess Patricia’s Canadian Light Infantry and during my combat tour to Kandahar, Afghanistan in 2006 it became, on a first hand basis, painfully clear that women in many third world and developing countries face unjust obstacles not faced by men.  Many are flat out prevented from borrowing money, opening a business and in many situations face extreme dangers, even death by simply attempting to do so.

Why Not Support Local?
Although true that women entrepreneurs everywhere face challenges, I believe women in third world and developing countries generally face hardships greater then women entrepreneurs in North America.  I wanted to invest in women entrepreneurs in Afghanistan, however, KIVA currently does not operate in that country. For the time being, I am focusing my loans in Kenya.

Current Investments

JaneElosy – Raising Funds

Elosy is an ever-smiling, hardworking, and honest farmer. She is the proud mother of lovely children.  She is a very determined and dedicated farmer, who has been farming for more than six years. Throughout this time, she has never regretted having gone into farming.  Although this humble farmer has been making profits, not everything has been a bed of roses. She faces financial challenges. Because the Chuka area has proven to be a ready market for cereals, she is seeking a loan to buy cereals to resell and thus improve her income.

Elosy is quite visionary and, with her accumulated profits, she hopes that she will be able to open a large cereal-selling shop. … See Elosy’s Full Kiva Posting

JaneJanet – Raising Funds

Janet is a married woman. She has three children. She operates a retail business where she sells clothes. Her business is located in a good area, and her primary customers are locals. She describes her biggest business challenge to be price changes… See Janet’s Full Kiva Posting


JaneVeronica – Raising Funds

Meet Veronica again! Veronica is not a first time Kiva borrower and she has successfully paid back her previous loan. She is a youthful smallholder farmer. She is a wise farmer whose neighbors and fellow farmers respect as a mentor. She farms a small plot of land in the green, lush hills near Kapsowar in the Rift valley region of Kenya. Like many other farmers in the region, Veronica grows maize, which is a staple crop that she has been planting for as long as she can remember and also she keeps sheep. 

Veronica is currently requesting a loan from Juhudi Kilimo via Kiva lenders in order to buy fertilizer, pesticide, and high-quality seeds. Through this loan, Veronica expects to increase her crop production, which will translate into an improved harvest and a higher income. Thus, this loan will permanently change Veronica’s living standards…. See Veronica’s Full Kiva Posting

JaneJaneth – Raising Funds

Generating an income through selling her own harvest is the part of farming she enjoys most. Access to farming inputs is her major drawback in farming. Before joining Juhudi Kilimo, Janeth could not access loans from banks, since she is a woman smallholder farmer with no solid collateral. She joined Juhudi Kilimo and learned about loan management and agribusiness. She also got to learn about Kiva.

Janeth is seeking a loan to purchase farm inputs (fertilizer, pesticides and herbicides). With your loan, she will make her farm activities much easier. This will boost her income and enable her to pay school fees for her children…. See Janeth’s Full Kiva Posting

JaneAlice – 16% Repaid

The income she makes from selling milk and eggs is used to buy the basic needs for her family. Though she has gathered much experience in this business, she is not comfortable with the little she earns having invested so much of her time and effort.

Her clients enjoy the quality of milk and crops that she sells to them. Alice has decided to borrow a loan, which she will use in buying different varieties of cereals from local farmers and selling them to her customers and at the local market. Through this engagement, she will earn a commission that she intends to use to repay the loan and elevate her standard of living….. See Alice’s Full Kiva Posting

JaneGladys – 33% Repaid

Gladys is 45 years old, single and blessed with four children, aged 23, 14, 11 and five years old. She sells eggs to hotels and retail shops. She has been in this business for over eight years and earns a monthly income of 15,000 KES.  She is borrowing a loan of 20,000 KES from Vision Fund Kenya and plans to purchase stock of crates of eggs to sell to her customers. 
Her dreams and hopes for the future are to expand the business and improve the living standards of her children…. See Gladys’ Full Kiva Posting

JaneCaroline – 33% Repaid

Caroline is 31 years old. She is married and blessed with three children. She has had a dairy farming business for eight years, and she earns KES 16,000 per month.

She will be using the loan to purchase dairy meals, and she hopes this will help her get enough milk to supply to her customers. 
Her hopes and dreams for the future are to be able to provide for her family successfully…. See Caroline’s Full Kiva Posting

JaneSaumu – 33% Repaid

Saumu is married and has one child who attends school. She owns a house that neither has electricity nor piped water. Her greatest monthly expense is food for the family.

For the past three years, Sauma has operated a door to door motorcycle transport business. Her major challenge is the high cost of transportation to her place of operation.

With the loan, Sauma wants to add to her savings and purchase another motorcycle. She decided to join Yehu to access loans to boost her business and improve her standard of living….. See Saumu’s Full Kiva Posting

JaneWinny – 21% Repaid

Winny is 22 years old and a happily married mother of 3 children. Her husband is a farmer and they support one another with the family. 

Winny is a hairdresser by profession and likes attending to her customers. Her skill gives her clients elegant looks and they flock at her salon seeking her services. She will use this loan to buy a blow dryer, shampoo and hair braids to grow her business….. See Winny’s Full Kiva Posting


JaneCaroline – 90% Repaid
Caroline is a farmer from the Bomet area of Kenya. She practices both livestock and crop farming for a living. To make extra income for her family, she engages in cereal trade as a middle woman between farmers and buyers.

For her cereal business to be worthwhile, Caroline needs to buy more cereals and a significant volume of cereal produce from farmers, which is very expensive for her since she is just starting out… See Caroline’s Full Kiva Posting

JaneMonicah – 94% Repaid
Although Monicah has been making profits through farming, not everything has been easy for this humble and industrious mum. Her farm has not been producing as much of a harvest because of the lack of fertilizer and good seeds and the presence of pests and diseases. That is why she is seeking a loan to buy farm inputs. Through the loan, Monicah will be assured of a bumper harvest, and this will translate into more profits and cash. Through the use of good seeds and fertilizer, she will increase her profit margins.

Monicah will be able to expand her farming business. She sees a lot of room for improvement and growth. What is lacking is the money to push the positive change. With your loan, Monicah will make enough income to take care of her family… See Monicah’s Full Kiva Posting

JaneSally – 67% Repaid
Speaking with Sally, it becomes obvious that she is a very hardworking and helpful woman, and that everything she does is for her family’s benefit and wellbeing. She lives in a humble home in the town of Kitale, along with her handsome husband and their angelic-looking four children. She has always striven to give them a decent life and a good education.

She has been in agriculture for seven years now. She makes money selling produce from her farm, including milk, eggs, and crops. She enjoys plowing her farm and watering her plants. Crop diseases pose a big challenge for her and also add to poor productivity… See Sally’s Full Kiva Posting


Past Investments & Success Stories


Priscah– 100% Repaid
Read Priscah’s Story




DoriceChizi – 100% Repaid 
Read Chizi’s Story



Jane – 100% Repaid
See Read Jane’s Story


DoriceWilita – 100% Repaid
Read Wilita’s Story


JaneKulthum – 100% Repaid
Read Kulthum’s Story


DoriceDorice – 100% Repaid
Read Dorice’s Story




AshaAsha – 100% Repaid
Read Asha’s Story



Beatrice – 100% Repaid
See Beatrice’s Full Kiva Posting


JaneVirginia – 100% Repaid
See Virginia’s Full Kiva Posting





JaneAlice – 100% Repaid
See Alice’s Full Kiva Posting




JaneLeah – 100% Repaid
See Leah’s Full Kiva Posting




JaneRodah – 100% Repaid
See Rodah’s Full Kiva Posting


JaneJoice– 100% Repaid
Read Joice’s Story



Jane – 100% Repaid
Read Janes’ Story


JaneElizabeth – 100% Repaid
Read Elizabeth’s Story



violetViolet – 100% Repaid
Read Violet’s Story


EggaEgga – 100% Repaid
Read Egga’s Story


JaneJane – 100% Repaid
Read Janes’ Story



margaretMargaret – 100% Repaid
Read Margaret’s Story



JaneBerine – 100% Repaid
See Berine’s Full Kiva Posting



JaneAlice – 100% Repaid
See Alice’s Full Kiva Posting



JaneJoyce – 100% Repaid
See Jocyce’s Full Kiva Posting




JaneStellah– 100% Repaid
See Stella’s Full Kiva Posting



JaneRussetta– 93% Repaid – Defaulted
See Russetta’s Full Kiva Posting