Theresia Kabiti
Nairobi, Kenya
Followers: 90
Feedback Rating: 100 % Positive (17)
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On-Time Repayments: 51% (110)
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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
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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

Cost paid to join Zidisha

Theresia may withdraw the Members Loan Fund deposit at any time, as long as all outstanding loan amounts are repaid to lenders.

These costs are only paid once and entitle Theresia to raise an unlimited number of loans at zero interest.

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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Theresia Kabiti
Nairobi, Kenya

100% Repaid