Raisa has been a farmer since 1980, growing melons like cantaloupe and watermelon. Her husband two children (aged 33 and 38) help her with her work. Raisa has decided to purchase plastic to enclose greenhouses as well as drip hosing for irrigation. In the future, she plans to expand the area of land where she grows her melons and to buy a tractor with a till attachment that will help her work her land. Her personal plans include building a home. She needs your help to finance the purchase of plastic sheeting and drip hosing.
Раиса - женщина фермер. С 1980 года занимается выращиванием бахчевых культур, таких как дыня и арбуз.
Справляться по хозяйству ей помогает муж и двое детей 33-х и 38-ми лет.
Раиса решила приобрести пленку для перекрытия теплицы и капельную ленту для полива.
В планах на будущее: расширить посевные площади бахчевых культур, купить трактор для вспашки земельного участка.
В личных планах: достроить дом.
Нуждается в вашей помощи для финансирования пленки и капельной ленты.
About Agro Capital Management
This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.
ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.
As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.