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Greetings from Kenya! This is Sidi, who is taking a loan from KOMAZA to plant a small-scale tree farm. Sidi is married to Runya, and the couple practices farming on their land in Chasimba. They grow maize, cow peas, coconuts, and tangerines. Sidi says that pests are destroying her maize, making the harvest small, and that the tangerine trees are also affected by the pests.
When asked why she decided to join KOMAZA, Sidi replied that she hopes that it will bring development to her home and to her family, thereby increasing her living standard.
If her KOMAZA trees grow big, she is hoping to get money to build a good home to replace the mud home in which she currently lives. She would also like to purchase cows to start producing milk for her family and to sell, and to modernize her farming techniques.
She says that if the trees are sold, she is sure that they will bring a big difference with the income that they generate, and that she will be able to do anything that she wishes. For example, she would like to have a big house to rent to earn an income, since she is getting old.
Sidi is pictured here with her husband, Runya.

Additional Information

About Komaza

KOMAZA is a social enterprise founded to convert Africa’s drylands into productive family farms in the eastern part of Kenya. The organization equips smallholder farmers with the supplies and training they need to plant fast-growing and sustainable eucalyptus or melia trees on their unused or underutilized land. In addition to generating income for farmers and their families, KOMAZA's sustainable farming practices help to offset deforestation and provide a stable, affordable source of fuel.

Please note that this loan term is for 10 years. KOMAZA works with farmers over the course of this time period to help them grow healthy and regenerative trees that are then sold as wood commodities. This loan will cover the upfront cost of seeds, fertilizers, and KOMAZA’s staff time needed to support the farmer over the course of the loan term, including multiple harvest cycles.

This model generates years of income for the farmers’ families and creates a sustainable wood supply for local markets. Kiva lenders’ flexible, risk-tolerant capital enables KOMAZA to offer affordable financing to farmers, and to scale faster as an organization to impact more people. Repayments for this loan will come from revenues generated by wood sales, and profits from harvested trees are split equally between the farmer and KOMAZA.

See the story of Ruth and Raphael, KOMAZA farmers, here:

Wach a video about the organization’s work in the field here:

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

About Kenya

  • $1,800
    Average annual income
  • 622
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Sidi to purchase inputs like eucalyptus seedlings and fertilizer, as well as to pay for technical trainings and plantation maintenance support.
100% repaid
Repayment Term
122 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2013
Jan 23, 2013
Currency Exchange Loss:
Jan 28, 2014