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Joyce's Group
In this Group: Joyce, Ann , Mary, Ruth, Roseland, Gladys, Albert, Elina
Matete is a group of nine group leader farmers in Matete District. Joyce has volunteered to be the Kiva group representative and is on the right of the photo with her hand raised. Farming inputs will be delivered to her and the 74 other individual farmers represented in this group. The credit consists of the necessary materials to plant ¼ acre of maize and ¼ acre of millet or sorghum. The individual farmers are not pictured here but will be receiving an average loan of 5,349 shillings.

Joyce is married and has four children. She is 35 years old and is known as friendly, and hardworking, and trustworthy. She is active in her community in groups such as the women's group, and prayer group. Joyce has been a farmer for 12 years. Joyce described her harvest as excellent last year, but believes she can have an even better one this year by continuing to work with One Acre Fund.

Joyce first enrolled with One Acre Fund in 2010 and is now preparing to be a One Acre Fund farmer during the 2014 Long Rains season. Joyce joined One Acre Fund in order to get the best seed prices, and get new farming methods, and get fertilizer and hybrid seeds. She also volunteered to be a group leader and Kiva representative because she likes being a leader, and is an active community member, and wants to help more farmers. Joyce plans to use the money that she earns from her next harvest to send children to school, and save for the future, and buy a cow. She notes that working with One Acre Fund has lead to many benefits for One Acre Fund farmers. Joyce’s own life was improved because she has more profits from harvest, and has more farm training, and was able to save money.

Joyce and the Matete Group need a loan to cover the initial costs of purchasing the seeds and fertilizer through One Acre Fund. One Acre Fund will repay the Kiva loan on behalf of the farmers through the profits from the farmers’ harvests. One Acre Fund pre-purchases the seeds and fertilizer when prices are low and passes the cost savings to the farmers. Throughout the planting and harvesting season, One Acre Fund also provides training and support to the farmers as they make payments back to One Acre Fund. With support from One Acre Fund and your loan, these farmers will have a chance at a successful harvest, increased profits, and improved lives.

Please note that there are 3 additional group leaders in this photo that will be working with One Acre Fund but will not be a part of this Kiva group loan.

The field officer is also included in the photo and is standing on the left of the photo.

Additional Information

More information about this loan

This loan is part of One Acre Fund's integrated agricultural package, which provides groups of smallholder farmers with seeds and fertilizers on credit, onsite agricultural training, and insurance options. Borrowers also have the option to purchase solar lanterns as part of the loan package.

To give borrowers more flexibility, One Acre Fund permits them to switch groups, drop out of the program and change their loan amounts before receiving their inputs. To accommodate this, Kiva allows One Acre Fund to post loans for groups that may change in size and membership. Only the group leader is featured in the photo, representing the loans for each of his or her individual group members.

If a lender makes a loan to group containing a borrower that drops out, the lender will receive the full loan amount for that borrower back at the end of the harvest season. If the lender makes a loan to a group containing a borrower that decides to take a smaller loan amount after the loan is funded, the lender will receive the repayments from the smaller loan amount plus the full difference between the two loan amounts at the end of the harvest season.

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

About One Acre Fund

With this loan, One Acre Fund will purchase fertilizer, seeds, and other important farming inputs to distribute to this farmer group during Kenya's next planting season in February. This distribution of farming inputs is part of One Acre Fund's integrated agriculture package, which includes training, reliable input supply (such as fertilizer and seeds), credit and insurance. Clients enroll between July and October for the following planting season, which begins in February. By purchasing inputs during these months, One Acre Fund is able to take advantage of the historically low farm input prices during this time of year in Kenya.

Members of One Acre Fund form groups in which each borrower guarantees the loans of all other borrowers in the group. One Acre Fund differs from a traditional microfinance institution, however, by allowing groups to split before the delivery of inputs at planting time. If a group were to split, each of the two new groups would have fewer members that could support a delinquency or default from a member. This may represent a different risk than that for a traditional MFI’s group loan.

Important Information About the Risk of One Acre Fund
One Acre Fund is not assigned a risk rating on Kiva. This is due to the fact that One Acre Fund’s business model differs enough from traditional microfinance models that Kiva’s current risk rating system is not applicable in accurately reflecting the risk assessment. Key risks and further information in making loans to One Acre Fund borrowers can be found on the organization’s partner page.

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
  • 790
    View loans »
    Kenya Loans Fundraising
  • $43,847,375
    Funds lent in using Kiva
  • 86.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A portion of Joyce's Group's $5,425 loan helped a member to buy cost efficient maize, millet, and sorghum seeds.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Feb 1, 2014
Dec 6, 2013
Currency Exchange Loss:
Dec 17, 2014