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Niinue Group
In this Group: Norah, Sarah, Elizabeth, Cleophas, Rose, Allan, Mary
Greetings from Niinue Group in Western Kenya! Norah is the facilitator of the Niinue SHG group. This group joined One Acre Fund in the year 2011 and will re-enroll in the 2012 program.

Norah is currently taking care of eight children at home. She joined One Acre Fund in order to access fertilizer and hybrid seeds and hire more land for farming. In the recent 2011 season, Norah had an excellent maize yield harvesting 23 bags on 1 acre of land. Before joining One Ace Fund, Norah was only able to harvest 5 bags of maize on 1 acre of land.

With this loan, One Acre Fund will purchase fertilizer, seeds, and other important inputs to distribute to Norah and her group during Kenya’s next planting season in February 2012. The distribution of farming inputs is part of One Acre Fund’s integrated agriculture package, which includes training, reliable input supply (such as fertilizer and seeds), credit and insurance.

With income from maize sales, Norah will buy a cow, ensure food security and invest in business to ensure education for her children.

In 2012, the members of Niinue SHG group are each preparing to plant between ½ and 1 acre of maize.

Additional Information

About One Acre Fund

With this loan, One Acre Fund will purchase fertilizer, seeds, and other important farming inputs to distribute to this farmer group during Kenya's next planting season in February. This distribution of farming inputs is part of One Acre Fund's integrated agriculture package, which includes training, reliable input supply (such as fertilizer and seeds), credit and insurance. Clients enroll between July and October for the following planting season, which begins in February. By purchasing inputs during these months, One Acre Fund is able to take advantage of the historically low farm input prices during this time of year in Kenya.


Members of One Acre Fund form groups in which each borrower guarantees the loans of all other borrowers in the group. One Acre Fund differs from a traditional microfinance institution, however, by allowing groups to split before the delivery of inputs at planting time. If a group were to split, each of the two new groups would have fewer members that could support a delinquency or default from a member. This may represent a different risk than that for a traditional MFI’s group loan.

Important Information About the Risk of One Acre Fund
One Acre Fund is not assigned a risk rating on Kiva. This is due to the fact that One Acre Fund’s business model differs enough from traditional microfinance models that Kiva’s current risk rating system is not applicable in accurately reflecting the risk assessment. Key risks and further information in making loans to One Acre Fund borrowers can be found on the organization’s partner page.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kenya

  • $1,800
    Average annual income
  • 611
    View loans »
    Kenya Loans Fundraising
  • $40,262,550
    Funds lent in using Kiva
  • 97.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A portion of Niinue Group's $725 loan helped a member to source farming inputs such as seeds and fertilizer at low prices for the 2012 planting season.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Nov 10, 2011
Listed
Nov 12, 2011
Currency Exchange Loss:
Possible
Ended:
Nov 27, 2012