Oksana is a female farmer. Since 2006 she has grown cucumbers, tomatoes, and late-season tomatoes. Her husband and 15-year-old daughter, who is studying in school, help her manage the farm. She began developing her business with a greenhouse, where they grow young cucumbers. Oksana decided to buy film to cover her greenhouses, landscape fabric, and drip tape. She plans to build another greenhouse in the future. She also plans to finish building her house. She needs your help to pay for the film and the landscape fabric.
Оксана - женщина фермер. С 2006 года занимается выращиванием огурцов, помидоров и поздних томатов.
Справляться по хозяйству ей помогает муж и 15 -ти летняя дочь, которая учится в школе.
Развитие деятельности начиналось с одной теплицы, где выращивали молодой огурец.
Оксана решила приобрести пленку для перекрытия теплицы, агроволокно и капельную ленту.
В планах на будущее: развивать теплицы.
В личных планах: достроить дом для проживания.
Нуждается в вашей помощи для финансирования пленки и агроволокна.
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.