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Ayuba, 30, is a maize farmer in Katsinawa Nakunne village in Kaduna State. In the past, Ayuba struggled with the task of working his farm without any inputs or tools and found life difficult for his wife and young daughter. Now that Ayuba has joined Babban Gona, he has seen an improvement in the quality of his crops and knows that the fertilizers that he has been able to access through Babban Gona’s credit have made a huge difference in his farming. By receiving a Babban Gona loan, Ayuba has the opportunity to reap yields three times as high as the national average and earn at least three times as much as the average Nigerian farmer. This year, Ayuba hopes to access a Babban Gona loan to continue planting maize and earn even greater profits. The loan will provide him with the fertilizers, seeds and technologies he needs to reach his goals. In addition, a Babban Gona loan will allow Ayuba the means to store his crops as well as the ability to sell them at a premium market price.

Ayuba is grateful that Babban Gona has come into his life and hopes he can bring more of his family members into the program. Even though his daughter is less than a year old, he and his wife hope to have more children. Ayuba would like to work with Babban Gona to expand his farm into livestock, rearing goats and cows in the future to provide additional income. He would like to become a role model for other farmers, encouraging them to invest in their land, their future and the future of their children.

Additional Information

More information about this loan

This loan is aimed at helping smallholder farmers. The farmers are divided into Trust Groups and deliver training and development services, inputs like seeds on credit and post-harvest marketing services. This Kiva loan will thus be used to provide borrowers with needed goods or services, as opposed to cash or financial credit. This system increases farmers’ yields up to 4 times the national average. In addition, Babban Gona markets its farmers’ produce to premium markets over the course of the year, ensuring that they receive the best price possible for their produce and have a steady flow of income year round. Kiva loans are used to help Babban Gona expand its services to more rural areas in Northern Nigeria. Babban Gona posts loans before the inputs are provided so there is a chance that farmers will change their input package after the loan is posted. As a result, the loan amount may slightly change after you fund the loan, and any difference will be repaid to you when the first loan repayment is made. By supporting this loan, you’re providing farmers with the opportunity to increase their yields.

About Nigeria

  • $6,100
    Average annual income
  • 11
    View loans »
    Nigeria Loans Fundraising
  • $6,040,850
    Funds lent in using Kiva
  • 157.7
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ayuba to buy fertilizers, seeds, and agricultural technologies to increase maize yields.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
At end of term
May 1, 2013
Mar 11, 2013
Currency Exchange Loss:
Feb 17, 2014