Irina is a farmer. Since 1992, she has been cultivating potatoes and garlic. She is assisted in her business by her husband and her 18-year-old daughter, who is studying in college to become an accountant. Irina began her farming activity by growing baby potatoes.
Irina has decided to purchase the necessary equipment to drill a water well and install a pump. Her locale has major problems with water for irrigation, particularly during the summer droughts, and it is necessary to irrigate by hand. Her future business plans include starting a grape plantation and purchasing mechanized farming equipment for ploughing her land. She also would like to buy a vehicle to transport her produce to the market. Irina needs your help to finance the purchase of water well equipment.
Ирина - фермер. С 1992 года занимается выращиванием картофеля и чеснока.
Справляться по хозяйству ей помогает муж и дочь, 18-ти лет, она учится в техникуме на бухгалтера.
Развитие деятельности начиналось с выращивания молодого картофеля.
Ирина решила приобрести оборудование для скважины и насос, т.к. в данной местности существуют большие проблемы с водой для полива, особенно в летний период засухи, полив приходится осуществлять вручную.
В планах на будущие: посадить виноградник, приобрести мотоблок для вспашки своего земельного участка .
В личных планах: покупка автомобиля для транспортировки товара на рынок сбыта.
Нуждается в вашей помощи для финансирования оборудования для скважины.
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.