Elena is a farmer. She has been involved in growing strawberries, raspberries, apples, cherries, sweet cherries and apricots since 2003. Her husband helps her with the business. The business development started with growing a fruit orchard. Elena decided to purchase motorized equipment for plowing and treating 50 sotkas of land because it is very hard to manually treat the land plot. Her future plans are to plant a vineyard and strawberries. Her personal plans are to build a house. She needs your help to finance the farming equipment.
Елена - фермер. С 2003 года занимается выращиванием клубники, малины, яблок, вишни, черешни, и абрикоса.
Справляться по хозяйству ей помогает муж.
Развитие деятельности начиналось с выращивания фруктового сада.
Ирина решила приобрести мотоблок для вспашки и обработки 50 соток земли, т.к в ручную обрабатывать земельный участок очень сложно.
В планах на будущие: посадить виноградник, клубнику.
В личных планах: достройка жилого дома.
Нуждается в вашей помощи для финансирования мотоблока.
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.