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Pola's Group
In this Group: Pola, Naomi, Kahaso, Esther, Kahaso, Kahunda, Nyeuu
Pola is a forty-six year old mother of six. She is a small scale farmer who also makes charcoal for sale in the markets. Her husband is a day-laborer. She faces many challenges in her work, but primarily she is concerned that her crop yield is not enough to feed her family and the trees she uses to make charcoal are scarce.

She is excited to work with KOMAZA because she likes the community aspect of the work, and is impressed with the KOMAZA field staff's way of approaching her community and trusts them to educate them on tree farming. She hopes to use the extra income to pay school fees for her children.

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
  • 714
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Pola's Group's $3,500 loan helped a member to pay for eucalyptus seedlings, fertilizer, training and plantation maintenance support.
28% repaid
Repayment Term
122 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2013
Mar 24, 2013
Currency Exchange Loss: