How Village Savings and Loans Concept is transforming businesses in Marsabit, Kenya Standing in front of her small mud retail-shop, Halima Adan, stares at her grandchildren play hide-and-seek, there are usually not many customers visiting her shop at this time of the day, so she takes time to engage with the kids. Life took a new turn for Halima, 50 years old-widow residing in Kinisa Village in the north eastern county of Marsabit, when she was given a business starter kit worth Ksh.15, 000 by Pastoralist Community Initiative and Development Assistance (PACIDA). She then took a loan of Ksh. 15,000 from Kinisa Village Savings and Loans Association (VSLA) to supplement her starter kit, and she started a provision shop. “Prior to venturing into the retail shop business, my only source of income was selling goat milk,” she says. “The income…