Theresia Kabiti
Nairobi, Kenya
Volunteer Mentor: Ian Mwangi
Followers: 102
Feedback Rating: 100 % Positive (17)
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On-Time Repayments: 54% (80)
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This Loan
100% Repaid

Disbursed Amount: $996.00
Date Disbursed: Jan 5, 2012
Repayment Status: On Time
Repayment Frequency: Monthly Projected Term: 12 months
Cost of Loan: $70.32
Show Cost Details

Cost of this loan

Lender Interest: $996.00 at 2.06% annual rate over 12 months = $20.52

Service Fee: $996.00 at 5% annual rate over 12 months = $49.80

Total Loan Cost:
$20.52 + $49.80 = $70.32

About Me

I am a Kenyan citizen, married with a boy and two girls. I have government training in early childhood development (ECD). I am currently pursuing my national diploma in ECD. I have worked in several private education institutions (Private School) since 1993 when I completed my formal education. My bitter realization was that many of our children cannot get quality early childhood education because the fees charged by these institutions are out of reach for our poor children.

This has led to many of our children seeking refuge in other backstreet informal schools set up by insincere business people whose objectives are to exploit the situation. These schools end up either not even paying its teachers in time or at all leading to very high rate of teacher turn over, there by denying the children the much needed continuity and consistency.

This made me quit employment from a private school situated in my current residential place. My main objective was to provide this much needed early childhood education to our poor children who were always being sent out of these schools for lack of school fees. I, in collaboration with other well wishers, set up a kindergarten named “The Terrian School”. We ask parents to pay a small fee (Kshs 500 or USD 5.5 per month) to help sustain teachers, who are more of volunteers. We, however, do not send any child away for lack of fees. Our children mostly come from poor parents who are either house helps or working as labourers around the estate.

It is in this background that I make this request for a loan (of USD 1,000 at interest rate of 10%) to facilitate the expansion of this Early Childhood Education Project, which provides educational opportunities for our poor children and employment opportunities to teachers.

My Business

The Terrian School:
Since the Kenya Government is currently not funding early childhood education, we saw it an obligation to work to assist the majority of our society whose children could not get better education. It with this background, that the idea to start The Terrian School was conceived. The school is situated in Utawala – Githunguri estate. Our children mostly come from poor parents who are either house helps or working as labourers around the estate.

Since inception of The Terrian School in January 2005, we dispatch an average of 30 pupils to standard one in public primary schools every year. The parents suggested that we incorporate lower primary school levels and in January 2009 we introduced standard one. Currently we have Baby Class, Nursery, Pre-Unit, Standards One, Two and Three, a pupil population of about 70, and four teachers. Our teachers are working as volunteers, being given a token of 3,500/= to 4,000/= a month, and are motivated by the fact that they give hope to those who were otherwise hopeless.

We have tried our best and our former children are doing very well in whichever schools they join.

Loan Proposal

The loan will be used to improve the learning environment in our school. We need to put up four decent classrooms and this will take us a long way in achieving this. The classes we are operating from are rented and the floors are not even cemented. This has always made the learning environment very unfriendly.

Positive   17      Neutral   0      Negative   0     

  • Hope2012     Jan 23, 2015


    Perfect :)

  • KrautFunding     Jan 20, 2015


    such an important project would also make sense to me without getting my money back...keep up your great work Theresia...

    • Theresia Kabiti     Jan 21, 2015

      Dear Kraut, Thank you very much for the encouraging compliments. We promise to do our best, and will keep you posted on the achievements.

  • bluntpixel     May 20, 2014


    Repaid regularly and in full, 100% happy and would lend again.

  • LadyofHats     May 2, 2014


    happy with repayment

  • KYLE LARSON     Apr 27, 2014



  • hugh1     Mar 25, 2014


    Repaid in full. Thank you.

  • MorganBlue     Mar 21, 2014


    Repaid on time and kept us apprised of her progress. Would lend to again!

  • share     Feb 21, 2014


    She repaid her loan in full. She also kept lenders in touch with how she was doing with the activities she borrowed money for.

  • Bpryse     Feb 11, 2014


    Many blessings for continued success!

  • Hope2012     Feb 3, 2014


    All repaid fine thanks

  • tonilends     Feb 1, 2014


    Theresia and covolunteers have my admiration. I will definetely lend again. Also paid back in full, early!

  • eagle3     Feb 1, 2014


    Thanks for your prompt repayment of your loan. I'm mighty proud of you and your accomplishments.

  • ploeger     Jan 31, 2014


    paid back in full

  • aiban     Jan 31, 2014


    Overall, it was a good loaner experience. Would loan to this individual again.

  • melliecarma     Feb 17, 2013


    repaid in full and on time. the loan has gone to a worthy project (education/schools) which parents in africa seem to value the most. what's more there has always been an excellent communication from mrs. kabiti so i felt infomed all the way. best wishes for the future of the project, the staff + your pupils!

  • jimbo7256     Feb 6, 2013


    Great No Problems

  • Krokslatt     Jan 20, 2013


    Excellent lender. Repaid in full and in time. Will gladly lend to you again


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  • Kerry Tiedeman     Mar 9, 2015

    My name is Kerry and I am a Client Relationship Intern for Zidisha in Nairobi, Kenya. I had the opportunity to meet Theresia on the outskirts of Nairobi at her elementary school last week.

    I was very excited to see her school. It can be especially fun, because being a visiting foreigner, the kids are usually very excited to see you and have a story to tell, since it's not every day they see a "Mzungu". This day did not disappoint. I met Theresia and I introduced myself to each classroom. There were many giggles from the 205 students ranging from ages of 3 to 12.

    Theresia has been a teacher since 1998 after moving to Nairobi from Kisumu County in western Kenya. She worked a private school for a couple years and then received her ECDE (Early Child Development Education) while working at the same time. Then in 2011 she continued her education and received her college diploma.

    Theresia began theschool in 2001 with her salary from the private teaching job. She saw the need for a school in the community she lived that was more affordable for the local families. Her school is private, but the fees are 800KES/month, which is a little less than $10. Public schools in Kenya are few and far between so Theresia has provided a great option for the members of her community.

    She began the school with one employee and five children. One of the five students has done so well that she was awarded a scholarship for a prestigious national school from Equity Bank, a company which will sponsor her all the way through University. Theresia feels extremely proud of her former student and has been slowly adding grades since those five preschoolers. This is in large part due to the help of Zidisha lenders. She has used her loans to increase the number of classrooms and accomodate more children and now employs 10 teachers. She hopes with furthur loans she will be able to build a second story and add more classrooms. The school is growing with the kids.

    Theresia has taken a piece of land and created a community. It is easy to see how she is capable of doing this. She is warm and caring. We visited her house which is next door to the school. She offered me one of her chickens, (I said I had nowhere to keep it) and while I was there some of the school children came over and she gave them cups for water. I was even able to get a ride back to town with her brother in his police bus. I left during recess, and all the children were outside playing on the giant field next to the classrooms. They looked very happy.

  • John R     Jan 21, 2015

    Thanks for sharing the photo!

  • Theresia Kabiti     Jan 21, 2015

    Here is a picture of the Terrian Academy classroom block which we have just started. I hope the picture now comes on.

  • pentatonicscale     Jan 19, 2015

    That was fast! It shows that we all trust you!
    Greetings from Christian Academy in Japan to Terrian Academy in Kenya! Tell your students hello from my Japanese students!

    • Theresia Kabiti     Jan 19, 2015

      Hello Niiza-Shi, We are really grateful. Your picture indicates you like playing music. We hope one day you would come to Kenya and play music with our pupils. They received your Christian Academy students' greetings with joy, and said we pass theirs also. Pass the regards of our pupils to your students.

  • Theresia Kabiti     Jan 19, 2015

    Dear Lenders, We are sincerely grateful to have you partnering with us in this journey. You have really made it possible for us to move on. Thank you very much for funding our latest loan. We are still trying to post the latest pictures, but still have a problem. They will be on as soon as this problem is solved. Once again, thanks and GOD BLESS.

  • Theresia Kabiti     Jan 18, 2015

    The loan we just completed was used to fix the doors, windows and cement the floors of the our three roomed iron sheet classrooms.

  • Ian Mwangi     Jan 18, 2015

    Hi lenders. Theresia did get in touch with me today morning and has confirmed release of payment. It should reflect on her account within a week. She has cleared her full loan arrears.

  • Ian Mwangi     Jan 17, 2015

    Hi lenders. I did manage to talk to Theresia today. She is facing some technical challenges with her network. I can confirm it's a general problem which has affected most mobile subscribers using money transfers in the country. She will be catching up on her payments once the issue has been rectified by the service provider.

  • Theresia Kabiti     Jan 16, 2015

    Dear Lenders, We, the Terrian Community has been undergoing some financial constraints but things are now opening up. We hope to clear our loan within the next few days. We regret that our repayments has not been as expected, but would like to confirm that our future loans will not have problems.

    We have made some steps in the development of Terrian Academy. We started a more permanent structure we have a vision to develop gradually till completion. A picture showing the new structure and the existing ones is posted below. We will post a design showing our vision structure later when it is completed by a drafts man. After completing our current loan, which we are clearing in a few days, we will still come you for further assistance. You have been wonderful people to us and we trust you still will be. Thanks.

  • Theresia Kabiti     Jan 8, 2015

    Dear Zidisha Team, We, the Terrian community wish you are all well as we start another year. We pray for God's blessing to all of you and may this family continue to grow move together in helping make the world a better place to live in. Terrian Academy is also growing to greater heights. We are now in class 7 and the population of pupils is also growing. We will be posting some picture to update you on our progress.

  • Ian Mwangi     Dec 9, 2014

    Hi lenders. I wasn't able to get in touch with Theresia but will make further attempts in the next two days and update you all.

  • Theresia Kabiti     Aug 22, 2014

    Dear Lenders. You may have noticed that we have not paid our loans as expected in the last two months. Things have become a little tight and we have a cash flow problem. This is not a permanent situation and we expect things to change soon. We however, would like to reschedule the repayment date to 15th September. We may pay some money before then if things change. This change, hopefully, will not change the last payment date for our loan. We will try to repay the default amounts in lumpsum as soon as we get. We hope you understand. We, the Terrian Communittee, wish to re-affirm our commitment to the entire Zidisha community. God bless you all for understanding.

  • Ian Mwangi     May 19, 2014

    Theresia confirmed she paid yesterday. She's cleared the pending arrears in full. It should be reflecting on her profile by end of week.

  • Judith     May 8, 2014

    Dear Theresia, hope everything is going well. I wanted to share the following link to a competition with you:
    I was a mentor for this in 2013 and I just learned that the competition for 2014 is now open. That made me think of your school. Maybe there is something inspiring on the webpage for you and your school. For example the section Winners 2013 might be interesting, or maybe you have some projects going on and want to take part in it. In any case I thought you might be interested.
    Best wishes, Judith

    • Theresia Kabiti     Jun 3, 2014

      Dear Judith, This is a great idea. Thanks for sharing the link. We are registering and will keep you posted on how things are going and if we need any guidance. Thanks once again.

  • ZionLion     Feb 9, 2014

    You are very welcome.

  • Theresia Kabiti     Feb 9, 2014

    Dear Lenders and Zidisha Team. We, the Terrian Community wish to express our heart felt gratitude for the kindness you have shown us. The loan you have just funded will take us a long way in making learning environment more conducive. The picture uploaded shows the state of our most recent classroom structure. We expect to fix the doors, windows and the floor. Once again cheers.

    • mygueye     Feb 25, 2014

      It's our pleasure. How r the kids doing? How about you? You are so right when you say that sky is the limit, especially when it comes to kids. Thank you for your service.

  • Theresia Kabiti     Feb 6, 2014

    Dear Lenders, in the summary of the purpose of the loan we applied for we indicated it for the completion of a "Classroom lock...". It was supposed to be "Classroom Block...". The B was erroneously omitted. Sorry if this brought a misunderstanding.

  • Theresia Kabiti     Feb 2, 2014

    Dear Maartje, Things are going well. Our children population is now above 120, and we are now upto class six.The growth of our school is a little slow because of strained resources. Generally there is good academic growth and parents have been very supportive. We will upload some current pictures within the coming week. The sky is the limit.

  • Maartje     Jan 29, 2014

    Dear Theresia, I hope you are well. I also hope that your community and school have expanded the way you had planned. I think education is very important for the children to have better chances later in life. I wish you all the best.

  • Theresia Kabiti     Apr 18, 2013

    Lenders, We as Terrian community are greatly indebted to you for the assistance you have given us. Before the loan was granted to us, the lower classes were sharing a classroom, together with both their teacher. It was the same case with classes four and five. Though the number of pupils were not big, it was very difficult for different teachers, trying to deliver different materials to two different groups within the same environment at the same time. It was a major challenge.
    The loan which was given to us has helped solve this problem. We managed to put up two classrooms and a small office where parents can be attended to. The structure, though not complete, is currently being used by classes four and five. Thanks to Zidisha Partners.

    • Maartje     Apr 18, 2013

      Dear Theresia, I am glad to read that things are going well and you were able to solve (a part of) your problems with the loan. Keep up the good work! I wish you all the best.

    • tonilends     Apr 18, 2013

      that is so great to hear! Please keep the good work up, and best luck!

  • eagle3     Jan 16, 2013

    Congratulations on receiving your loan. I applaud your efforts to help the children. You are truely giving the gift that keeps on giving - education. It was an early teacher that first gave me my start in life and I am happy to see that you are doing thesame. Best wishes for great success.
    If you think you can -- You Can!

  • Theresia Kabiti     Jan 15, 2013

    To all lemders and Zidisha team, I say thank you very much for the funding of my loan. This will go along way in facilitating construction of another three rooms which would accomodate two classes and an office. Once more I say 'Asante Sana' (thank you so much).

  • Theresia Kabiti     Jan 14, 2013

    Dear Lenders,

    It is great and very encouraging to know that we, as Terrian Academy, have partners out there. Our loan which you are continuing to fund will go along way in reducing congestion in our classrooms and create a conducive learning environment. Thank you so much and God bless.

    Below is a picture of some of our pupils during a field trip.

    • Hope2012     Jan 15, 2013

      The children are so cute :)
      Not surprised that the loan funded quickly. Hope it goes well for you all .

  • traciyoshiyama     Nov 12, 2012

    Dear lenders,

    I had the pleasure of visiting Theresia and the students of Terrian Academy again last week. Here is a video of the students playing games and singing songs, one of their favorite things to do!

  • traciyoshiyama     Sep 19, 2012

    Dear lenders,
    Several days ago, I wrote an article featuring Zidisha borrower, Theresia Kabiti. Thanks to Zidisha, relationships are not only being formed between borrowers and lenders, but they are now being established between children! Students from Theresia's school, Terrian Academy, have now become e-pals with students at Hongwanji Mission School, located thousands of miles away in Hawaii. Visit my blog to check out Terrian Academy's introduction video and a couple of sample letters the students wrote to HMS!

  • traciyoshiyama     Sep 12, 2012

    September 10, 2012

    Hello, my name is Traci Yoshiyama, Zidisha’s Kenya Client Relationship Manager. I am currently visiting Zidisha borrowers in and around Nairobi.

    The laughter of children is the first sound I hear as I enter the grounds of Terrian Academy. A smile is brought to my face as I see a group of forty students singing songs and playing games with their teacher on the open field in front of their classroom. The walls of each class are decorated with brightly colored homemade posters and pictures, while the desks are filled with children deep in concentration as their teacher passionately provides instruction. After months of renovation, Terrian Academy is now in session!

    Skeptics of microfinance claim there is no evidence of poverty alleviation beyond that of anecdotal, and although individual lives may benefit, alleviation on a larger scale is left to be proven. Founder, principal, and teacher of Terrian Academy, Theresia Kabiti, provides a sound argument, for through her first Zidisha loan, she has been able to provide educational opportunities to an entire community. The long-term effects of such access are bound to be endless, as education is one of the most powerful tools for economic growth. Offering lower costs and comparable education to that of private schools in Kenya, Theresia Kabiti provides a learning environment for those with otherwise little means.

    I visited Theresia over a month ago as her school was still being constructed. Due to heavy rains in Githunguri, the classrooms of Terrian Academy flooded and students were moved to a nearby, vacated building. With Theresia’s Zidisha loan, she was able to renovate the school to avoid future flooding (see Achintya’s photos below for comparison). With a larger loan, she would still like to build a permanent school and hopes to provide her students with a feeding program. Being a former teacher myself, I feel honored to have had the opportunity to meet Ms. Kabiti again, and see her classrooms filled with motivated educators and eager students.

    To view more pictures of Theresia, her school, and her students, go to

  • JLadieu     Jul 3, 2012

    Dear Lenders,

    You may have noticed that Ms. Kabiti had posted two payments on June 29th. This was actually a mistake on our part. Ms. Kabiti did post a payment on the 29th, but we accidentally credited it twice. We can't reverse this mistake, so we will deduct the extra amount from future payments. This has no impact on your loan, and requires no action on your part. Thank you to Ms. Kabiti for alerting us to our mistake.



  • Bena     Mar 26, 2012

    Thank-you for sharing the photographs. I think the school must get very hot inside and it will be good when you get a more permanent building. I look forward to seeing more photographs as the work progresses.

    • Theresia Kabiti     Jun 27, 2012

      Hello Bena and other partners,

      Indeed the school becomes too hot during sunny periods. We are hopping to put plywood ceiling, both at the roof and along the walls when we get funds.

      In fact, recently, there were abnormally heavy rains that left a number of people dead and a trail if destruction to property. We were also affected and we had to shift temporarily to another building which was not flooded, at a cost.

      I will post more pictures of the again by next week.

  • AchintyaRai     Mar 8, 2012

    Hello lenders,

    My name is Achintya Rai.

    On Tuesday (6th March 2012) I visited Theresia Kabiti. Theresia stays in an area called Githunguri in Embakasi where she runs a small school. The name of her school is Terrian Academy. She currently has classes from nursery to standard three.

    Earlier Theresia used to teach in a school. She found that in her area many people were not sending their children to schools because the school fees were high. Most of these people worked as laborers on daily wages. Theresia decided to start a school to facilitate education among the poor. She told me that when she started she had to go door to door to tell people about her school. Her first class had just 5 students. Today her school has about 80 students and every time she adds a class, this number goes up by 15 or 20. While the other schools in the area charge about 2000 shillings per month, she charges just 500 shillings as fees.

    Apart from running her school, Theresia is also pursuing a diploma in early childhood development. She will pursue a degree in the same area after she has finished her diploma and wants to then apply for a government job as a teacher. If that works out she will hire someone to run the school

    Theresia used her Zidisha loan to construct on the plot of land she was renting for the school. She recently purchased a plot of her own where construction of semi-permanent classrooms has already begun. She wants to use the next Zidisha loan to construct a permanent building on her plot.

    Theresia has two daughters and one son. Two of her children study in boarding schools and the youngest daughter studies in her school. When I asked her if her daughter gets any preferential treatment being the principal’s daughter, she laughed and said no. The little daughter wants to be a pilot and Theresia hopes to be able, with the help of Zidisha loans, to afford the high aviation college fees.

    The best thing about Theresia’s school is that they have PE (Physical Education) class everyday. This is when the children are allowed to run free. If I were a parent doing hard physical labor the whole day, even I’d insist on the school tiring my kids before sending them home.

    I also saw the whole class of nursery students sleeping, not because the subject was boring but because it was their nap class. I tried to be quiet while taking a picture, but some smart ones did manage to sneak a peek at the camera.

    9th March 2012
    Nairobi, Kenya

    • Theresia Kabiti     Mar 26, 2012

      Dear Mr AchintyaRai, Thanks for the visit. It was very inspiring for our pupils and teachers. When you are around, always pass by just to say hello to the pupils.

      • AchintyaRai     Apr 10, 2012

        Thank you so much for the warm welcome you accorded me that day. I'd be happy to visit you and your pupils again when I get the chance


  • canadianlstan     Jan 25, 2012

    If you are able to post photos, I would love to see the new construction at the school! Best of luck to you and your class!

    • Theresia Kabiti     Mar 26, 2012

      Dear canadianlstan and other lenders, I once again take this opportunity to say thank you very much. I have taken a bit long without communication. I wanted to first come up with something tangible (structure) to show. Fortunately, as we were progressing, Mr AchintyaRai visited us and took photos of the construction going on, which he subsequently posted. We are now constructing a toilet (a decent pit latrine). I will post this and further progress as we advance. Once again, we are so grateful and the faces of our pupils are shining brighter.

  • Theresia Kabiti     Jan 7, 2012

    I would like to express my heart-felt gratitude to the Zidisha Team for that which you have done for me. We have received the loan and the preparations for the construction of the new classrooms is under way. Will keep you posted on the progress and also on the academic progress of our children. Partners, thank you very much and may the almighty God bless.

  • Theresia Kabiti     Dec 28, 2011

    Lenders, or allow me to call you partners, I am overwhelmed by your desire to put a smile in the faces of these poor, but potential, children we are dealing with. I assure you that your moneys lent to us will be used in the project for which it is meant and the academic lives of these children will improve greatly. Thank you for your generosity.

Amount Repaid: $1,066.34
Amount Remaining: $0.00
Status: Fully Repaid
Date Repaid: Jan 9, 2013

Repayment History
Expected Payments Actual Payments
Mar 5, 2012 $96.94 Mar 17, 2012 $96.94
Apr 5, 2012 $96.94 Mar 17, 2012 $0.56
Apr 6, 2012 $96.38
May 5, 2012 $96.94 Apr 6, 2012 $1.72
May 17, 2012 $95.22
Jun 5, 2012 $96.94 May 17, 2012 $1.69
Jun 12, 2012 $95.25
Jul 5, 2012 $96.94 Jun 12, 2012 $2.85
Jun 29, 2012 $94.09
Aug 5, 2012 $96.94 Jun 29, 2012 $4.01
Aug 6, 2012 $92.93
Sep 5, 2012 $96.94 Aug 6, 2012 $2.78
Sep 13, 2012 $94.16
Oct 5, 2012 $96.94 Sep 13, 2012 $1.55
Oct 14, 2012 $95.39
Nov 5, 2012 $96.94 Oct 14, 2012 $0.32
Nov 14, 2012 $95.71
Dec 14, 2012 $0.91
Dec 5, 2012 $96.94 Dec 14, 2012 $96.94
Jan 5, 2013 $96.94 Dec 14, 2012 $2.64
Jan 9, 2013 $94.30

Theresia Kabiti
Nairobi, Kenya

100% Repaid