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Ummaru, 60, a maize farmer from Garangaramai village, understands that in order for his farm to financially support his family of 15, he will need to make smart investments in his land so that it provides a greater yield. Ummaru, a father to 13 children, hopes that with the help of Babban Gona, his farm will grow to provide larger profits for him to meet the needs of his large family. By receiving a Babban Gona loan, Ummaru 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. A Babban Gona loan will provide him with seeds, fertilizers and technologies to treat his maize, as well as the means to store his crops and the ability to sell them at a premium market price.

Ummaru wants to use his Babban Gona profits from this years planting season to rear goats for sale during the dry season. Ummaru also plans to build a larger home that is well constructed, to ensure the safety of his family and limit his children's exposure, especially the youngest, to toxic materials and bad weather. They are forced to bear these conditions as a result of an ill constructed home that they currently live in.

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
  • 424
    View loans »
    Nigeria Loans Fundraising
  • $6,292,750
    Funds lent in using Kiva
  • 157.7
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Ummaru 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:
Jun 21, 2014