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Charo's Group
In this Group: Charo, Kalume, Francis , Kahaso, Elizabeth, Chengo, Safari, Kazungu
Charo, age 55 (shown with his hand raised), is a drylands farmer along with his wife. Their venture is hindered by lack of capital for investment in modern farming tools, good seeds, insecticides, and pesticides. Charo is also a mason. He and his wife have seven children.

Charo is joining the KOMAZA microforestry program to uplift himself and his family out of poverty. With his loan funds, he will purchase tree farm inputs such as eucalyptus seedlings and fertilizer, as well as pay for technical trainings and maintenance support

With the profits from his tree farm, Charo intends to build a house for his family and to ensure that his children get a better education. He tells us that he also wants to "help others join KOMAZA by [setting a] good example from my changes by the KOMAZA project."

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
  • 606
    View loans »
    Kenya Loans Fundraising
  • $39,186,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Charo's Group's $4,000 loan helped a member to purchase tree farm inputs such as eucalyptus seedlings and fertilizer, as well as to pay for technical trainings and maintenance support.
0% repaid
Repayment Term
122 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Apr 1, 2013
Listed
Mar 3, 2013
Currency Exchange Loss:
N/A