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Joseph's Group
In this Group: Joseph, Rose, Amina, Kenga, Dama, Samuel, Jumwa, Kazosi, Florance, Karisa, Safari, Dama*
* not pictured
Joseph is the leader of Joseph's Group. He is a 44-year-old, married father of nine children. His wife is a farmer like him and they are currently sending five of their children to school.

Joseph and his wife farm maize, cowpeas, and coconut trees. He looks forward to having a KOMAZA tree farm, so that he may educate all his children and build a house for his family, as well as buy a plot of land to expand his agricultural businesses.

The loan helps Joseph purchase inputs such as eucalyptus seedlings and fertilizer, as well as to pay for technical training and plantation maintenance support.

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
  • 971
    View loans »
    Kenya Loans Fundraising
  • $41,799,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Joseph's Group's $6,000 loan helped a member to purchase inputs such as eucalyptus seedlings and fertilizer, as well as to pay for technical training and plantation maintenance support.
33% repaid
Repayment Term
122 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Apr 1, 2013
Listed
Feb 14, 2013
Currency Exchange Loss:
N/A