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Moses' Group
In this Group: Moses, Kangombe, Omar, Kazungu, Daniel, Tabu, Margaret, Gabriel, Santa, Dama , Jumwa, Kadzo, Lenox, James, Karembo, Dama, Sera
Moses is a twenty-five-year-old dryland farmer, husband, and father of one child. His wife is a farmer too.

Moses does poultry farming, keeps cattle and grows food crops. Due to erratic rains, pests and diseases, and the difficulty of marketing his chickens, his agricultural endeavors prove challenging.

Regarding the KOMAZA microforestry program, Moses says, "The KOMAZA program is good as it avails inputs and trains farmers in its projects. Being in a KOMAZA group gives [me] skills and [we] can share a lot as a group then improve [our] businesses."

Moses intends to use the profits he receives from his tree farm to build a good house, feed his family better meals, and buy clothing. He also sees the KOMAZA program as a way to "ensure quality education" for his children.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kenya

  • $1,800
    Average annual income
  • 955
    View loans »
    Kenya Loans Fundraising
  • $41,060,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Moses' Group's $8,500 loan helped a member to buy inputs for his tree farm inputs (seedlings, fertilizer) and pay for technical training and maintenance.
0% repaid
Repayment Term
122 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Apr 1, 2013
Listed
Feb 8, 2013
Currency Exchange Loss:
N/A