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Christopher, 50, is a teacher and farmer in Chibombo District, Zambia. For the past 5 years Christopher has been producing fresh maize and large quantities of watermelons that are sold to marketers in the capital city, Lusaka. He is asking for a Kiva loan so that he may obtain a water pump to be used to irrigate and expand his farm.

As a full-time teacher, Christopher has struggled to effectively irrigate his expanding farm. The addition of a water pump will offer a major change as he will be able to move water from his well to his fields in far less time – providing them with much needed water during the dry season. Unfortunately, the upfront costs of such a water pump are quite prohibitive, even for someone like Christopher, who has an alternative income stream. Once he secures the loan, Rent-to-Own will deliver the pump to his farm and provide Christopher with training on how to properly use and maintain the pump.

With the water pump, Christopher anticipates that he can nearly double his current production of fresh maize and watermelons. He hopes to use his profits to continue to support his children’s school fees and expand the number of chickens his family keeps on the farm.

It is for this reason that Christopher is asking Kiva lenders to help him secure the loan so that he can begin to use a water pump as soon as possible.

Additional Information

More information about this loan

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit. 

About Rent-to-Own

Rent-to-Ownis a social enterprise that supports entrepreneurs in rural Zambia by providing financing and access to productive assets at low prices. The company uses a product catalogue for clients to purchase equipment needed to grow their businesses, and a network of local agents who leverage their social networks to decide if clients are credit-worthy.

Once clients are approved, Rent-to-Own provides a holistic set of services including delivery, installation, training, and repair services for their equipment to give clients the highest possible chance of succeeding. All equipment has a 30% mark-up over Rent-to-Own's purchase price. This mark-up covers all the logistical transportation costs that Rent-to-Own incurs in order to deliver the asset to the borrower, to provide training, ongoing support and to cover transaction costs. Kiva lenders’ funds are used to test new forms of asset financing to help more clients in new and innovative ways.

Rent-to-Own joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.


About Zambia

  • $4,100
    Average annual income
  • 18
    View loans »
    Zambia Loans Fundraising
  • $1,178,450
    Funds lent in using Kiva
  • 5.4
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Christopher to obtain a water pump for irrigation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Aug 23, 2013
Currency Exchange Loss:
Apr 24, 2014