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Umoja Group
In this Group: Jane, Loice, Benard, Margaret, Gerald , Jane, Mary, Petronila, Benedict, Annastancia, Leonita, Joshua, Rosemary
Jane is a member of Umoja Group in Kakamega South District. She is pictured with 13 One Acre Fund farmers: nine women and four men. Jane is standing on the right with her hand raised. She is receiving an input loan for ½ acre of maize, millet and sorghum cultivation. Jane first enrolled with One Acre Fund during the 2009 Long Rains and is now preparing to be a One Acre Fund farmer during the 2013 Long Rains season. Jane joined One Acre Fund in order to gain access to hybrid seed and fertilizer and grow enough food for the family.

Jane described her harvest as good last year but believes she can have an even better one this year. She hopes that her profits from the 2013 Long Rains season can be used to send her children to school and save for the future. Jane’s group members will each receive input loans of ½ acre during the 2013 Long Rains season. In total, they will receive inputs for 6.5 acres of maize and sorghum.

Additional Information

More information about this loan

This loan is part of One Acre Fund's integrated agricultural package, which provides groups of smallholder farmers with seeds and fertilizers on credit, onsite agricultural training, and insurance options. Borrowers also have the option to purchase solar lanterns as part of the loan package.

To give borrowers more flexibility, One Acre Fund permits them to switch groups, drop out of the program and change their loan amounts before receiving their inputs. To accommodate this, Kiva allows One Acre Fund to post loans for groups that may change in size and membership. Only the group leader is featured in the photo, representing the loans for each of his or her individual group members.

If a lender makes a loan to group containing a borrower that drops out, the lender will receive the full loan amount for that borrower back at the end of the harvest season. If the lender makes a loan to a group containing a borrower that decides to take a smaller loan amount after the loan is funded, the lender will receive the repayments from the smaller loan amount plus the full difference between the two loan amounts at the end of the harvest season.


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

About One Acre Fund

With this loan, One Acre Fund will purchase fertilizer, seeds, and other important farming inputs to distribute to this farmer group during Kenya's next planting season in February. This distribution of farming inputs is part of One Acre Fund's integrated agriculture package, which includes training, reliable input supply (such as fertilizer and seeds), credit and insurance. Clients enroll between July and October for the following planting season, which begins in February. By purchasing inputs during these months, One Acre Fund is able to take advantage of the historically low farm input prices during this time of year in Kenya.


Members of One Acre Fund form groups in which each borrower guarantees the loans of all other borrowers in the group. One Acre Fund differs from a traditional microfinance institution, however, by allowing groups to split before the delivery of inputs at planting time. If a group were to split, each of the two new groups would have fewer members that could support a delinquency or default from a member. This may represent a different risk than that for a traditional MFI’s group loan.

Important Information About the Risk of One Acre Fund
One Acre Fund is not assigned a risk rating on Kiva. This is due to the fact that One Acre Fund’s business model differs enough from traditional microfinance models that Kiva’s current risk rating system is not applicable in accurately reflecting the risk assessment. Key risks and further information in making loans to One Acre Fund borrowers can be found on the organization’s partner page.

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
  • 978
    View loans »
    Kenya Loans Fundraising
  • $40,408,475
    Funds lent in using Kiva
  • 87.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A portion of Umoja Group's $825 loan helped a member to purchase hybrid seed and fertilizer for the cultivation of maize, millet and sorghum.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Feb 26, 2013
Listed
Feb 23, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 3, 2014