Glory Kawira is a vibrant 32-year-old lady whose successes we are sharing this month. Each day we interact with her we learn that determination is key if one is to make it in life. She is one of the beneficiaries of the HopeCore Micro lending program and we are proud to share and be associated with her successes.
Glory is married to Mr. Morris Mwiti and together they are blessed with three children aged 13, 4 and 1 years respectively. They reside in Itara, a small village in Maara Sub-County, Tharaka Nithi County.
Glory was passionate about getting education but unfortunately due to crippling financial challenges in her family, she never completed her secondary school education. She became a casual laborer in an effort to meet her basic needs.
Due to her financial situation and the never ending challenges that life brings, Glory opted to get married in 2011. By then she was getting a monthly income of KSH 6400(USD 64) from being a casual laborer. This was hardly enough to sustain her then. With some meagre savings from her husband, she opened a small resale kiosk. From this business, she got a monthly income of KSH 8500(USD 85). This income was still not enough to sustain her family. Her situation became substantially worse when her son was born with complications. Her son was constantly sick and the drugs prescribed to him to manage the condition were very expensive. He was also unable to walk or talk and hence required attention at all times which meant that she had little time to attend to her business. Her business gradually declined and eventually she closed to attend to her sick child.
In 2014, Glory became a member of Winners 2 Self Help Group where she practiced table banking with other members. In November 2014, the group received their first soft loan of KSH 30,000(USD 300) which they used to uplift their various projects. With the amount borrowed from table banking Glory was able to establish a small project. In October 2015, HopeCore funded her group with a normal loan and she received KES 60,000 (USD 600). After receiving this loan, Glory decided to leave her casual job and instead invested her money in dairy business.
Figure 1: Glory Kawira receiving her cheque of KSH 60,000
Her monthly income stood to KSH 20,780(USD 208.) With this tremendous increase in her monthly income Glory was able to add another dairy cow. Her monthly income from the investments significantly increased to KSH 30,780(USD 308).
Figure 2: Glory Kawira wither two dairy cows at her home in Itara Village
She is now able to meet her basic needs and more importantly provide support and care to her disabled son and this gives her so much joy. Additionally, she has bought a motor bike which she gets monthly income of KSH 25000(USD 250) from. This brings her total monthly income to KSH 55,780(USD 557) registering an increase of KSH 49,380 (USD 493)
Glory says that she intends to continue to fully utilize the knowledge and education that HopeCore imparted her with. She is very grateful that HopeCore is considering her group for a second loan cycle with which she plans on expanding her dairy farming business with. Glory’s average repayment rate over the first 22-month funding cycle was 100.00 percent.
She plans on being a very successful business woman and be an inspiration to other women struggling financially in her locality.
She is very thankful to HopeCore for its efforts to improve her life and that of her family.