Theresia Kabiti

About Zidisha Profiles Zidisha entrepreneurs write their own loan profiles and provide their own photos. English is not usually their first language, and many had to overcome great obstacles to obtain an education. Additionally, many do not have cameras and own only a small number of personal photos. As a result, the profiles are not always as polished as on other websites. To keep profiles genuine, Zidisha staff do not make any edits, with the exception of titles for clarity and English translations.

My Story

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.

About 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.

My 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.

Feedback

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Date By Feedback Rating Comment Edit
Feb 17, 2013 melliecarma Positive 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!
Feb 06, 2013 jimbo7256 Positive Great No Problems
Jan 20, 2013 Krokslatt Positive Excellent lender. Repaid in full and in time. Will gladly lend to you again


Comments

 

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You are very welcome.

Theresia Kabiti   Feb 09, 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.

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 06, 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 02, 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.

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.

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.

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

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.

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

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!

http://youtu.be/Nw84ez4nvqg

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!

http://talkingstory@posterous.com

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 talkingstory.posterous.com

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.

Best,

Jason

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.

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.

Achintya
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.

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

Achintya

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 07, 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.

Theresia Kabiti

Nairobi, Kenya

100% Repaid

About This Loan

Loan Principal Disbursed: USD 942.21
Date Disbursed: Jan 5, 2012
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 12 months
Total Interest Due to Lenders: This is the annual interest rate proposed by the borrower. Lenders may bid to finance the loan at the borrower’s proposed interest rate, or at a lower rate if they desire. If more bids are received than the amount needed to fund the loan, the borrower will accept the bids with the lowest proposed interest rates.

All interest rates displayed on the Zidisha website are expressed as flat percentages of loan principal per year the loan is held. For example, for a loan of USD 100, taken at 4% annual interest with a repayment period of six months, the total interest amount will be USD 100 * 4% * (6 months / 12 months) = $2.

The expression of interest rates as flat percentages of loan principal amounts is intended to make calculation of interest amounts more intuitive for borrowers and for lenders, and to facilitate comparison with other microfinance loans in borrowers' communities, the majority of which also use the flat rate methodology to express interest rates.
USD 19.44 (2.06%)
Borrower Transaction Fees: A transaction fee paid to Zidisha, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 47.11 (5.00%)
Total Amount (Including Interest and Transaction Fee) to be Repaid: Interest plus transaction fees, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 66.55 (7.06%)

Funding

Lender Name Amount (USD) Interest
Catolas
(5)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.000.00 %
yop324
(16)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
51.000.00 %
barnabas
(5)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.000.00 %
jkats1988
(152)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.000.00 %
Krokslatt
(50)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
145.000.00 %
AdamP
(172)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
77.610.00 %
nonnenore
(30)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.001.00 %
JonasG
(7)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
60.001.00 %
AndreeBrouwers
(6)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.003.00 %
Walter
(135)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.004.00 %
Givemoreuseless
(36)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.004.00 %
Ishaque
(636)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.004.00 %
Raabo
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.004.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.004.00 %
seabass
(29)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.004.00 %
glosoli
(20)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.004.50 %
bdm4a
(10)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.004.90 %
EricDamonWalters
(520)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
9.964.95 %
Errol
(277)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.004.95 %
Aahz
(248)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
12.004.98 %
drakekids
(133)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.005.00 %
Bena
(240)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
56.735.00 %
jimbo7256
(40)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.005.00 %
Monarch84
(84)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.005.00 %
melliecarma
(98)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
3.705.00 %

Repayment schedule


Repayments due as of Apr 24, 2014:  USD 0
Total repaid as of Apr 24, 2014:  USD 1,009
Date Due Amount Due Date Paid Paid Amount The Paid Amounts displayed here are the local currency amounts received, converted to US Dollars at the exchange rate that was effective at the time the loan was disbursed. The amounts credited to individual lenders are converted to US Dollars at the exchange rate that was effective at the time each repayment was received, and due to exchange rate fluctuations they may be more or less than the amounts displayed here.
Mar 05, 201291.71Mar 17, 201291.71
Apr 05, 201291.71Mar 17, 20120.54
  Apr 06, 201291.17
May 05, 201291.71Apr 06, 20121.64
  May 17, 201290.07
Jun 05, 201291.71May 17, 20121.60
  Jun 12, 201290.10
Jul 05, 201291.71Jun 12, 20122.70
  Jun 29, 201289.00
Aug 05, 201291.71Jun 29, 20123.80
  Aug 06, 201287.91
Sep 05, 201291.71Aug 06, 20122.64
  Sep 13, 201289.07
Oct 05, 201291.71Sep 13, 20121.47
  Oct 14, 201290.23
Nov 05, 201291.71Oct 14, 20120.31
  Nov 14, 201290.54
  Dec 14, 20120.87
Dec 05, 201291.71Dec 14, 201291.71
Jan 05, 201391.71Dec 14, 20122.50
  Jan 09, 201389.40
Total Amount Due1,008.76Total Paid Amount1,008.97