Tat'yana has been involved in agricultural work for many years. She earns her primary income from vegetables grown in greenhouses. She cultivates berries in open soil. Greenhouse vegetables produced by her are in demand - customers come to the place of production and make purchases in accordance with previous agreements. Tat'yana is a widow and lives with her son and his family. The entire family is involved in the agricultural business. The planned loan is needed to install another greenhouse, which will be used to grow greens. She needs your help to finance a drip irrigation system and a net.
Татьяна занята работой в сельском хозяйстве на протяжении многих лет. Основной доход получает от овощей тепличного производства. В открытом грунте развивает производство ягод. Тепличные овощи ее производства пользуются спросом – покупатели приезжают на место производства и выполняют закупку по предварительной договорённости.
Вдова, живет с сыном и его семьей. В агробизнесе занята вся семья.
Планируемый кредит необходим для установки еще одной теплицы, в которой ожидается выращивание зелени.
Нуждается в вашей помощи для финансирования капельного полива и сетки.
About Agro Capital Management
This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.
ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.
As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.