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Safania's Group
In this Group: Safania, Rosemary, Consolata, Wandiri, Conrad, Rose , Mary, Burudi
Tumaini is a group of eight farmers in Kakamega North District, with Safania selected as the Kiva representative. Safania has volunteered to be the Kiva group representative and is on the right of the photo with his hand raised. Farming inputs will be delivered to his and the 96 other individual farmers represented in this group. The credit consists of the necessary materials to plant one quarter acre of maize and one quarter acre of millet or sorghum. The individual farmers are not pictured here but will be receiving an average loan of 5,349 Kenyan shillings.

Safania is 74 years old and has been a farmer for 50. Safania works as a farmer to provide for his 10 children. The community and other farmers know Safania as friendly, hardworking, and trustworthy. Other than farming, he is also involved in his community in groups such as the men's group, savings group, and prayer group. Safania described his harvest last year as good, but hopes he can have an even better one with the support of One Acre Fund and the other farmers in her group.

Safania joined One Acre Fund in 2010, and is now enrolling in the Long Rains 2014 season as a group leader. Safania joined One Acre Fund so that he could get the best seed prices, new farming methods, fertilizer, hybrid seeds, and earn enough to feed family. Because he is an active community member, wants to help more farmers, and wants to spread the story about One Acre Fund farmers, Safania has gotten more involved with One Acre Fund as a group leader and Kiva representative. Working with One Acre Fund has improved Safania's life because he has more profits from harvest, more farm training, and more farm group support. He also was able to save money and feed his family. In the future, Safania hopes that his profits from 2014 can be used to send his children to school, buy a cow, and invest in a business.

One Acre Fund focuses on working with smallholder farmers across Kenya. The organization pre-purchases seeds and fertilizer when prices are low and passes the cost savings onto the farmers. Safania and the Tumaini Group will use the Kiva loan to cover this initial cost of purchasing the seeds and fertilizer package from One Acre Fund. One Acre Fund continues providing training and support throughout the planting and harvesting season to ensure a good harvest and repayment. 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 four 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.

Tags

About Kenya

  • $1,800
    Average annual income
  • 675
    View loans »
    Kenya Loans Fundraising
  • $42,246,850
    Funds lent in using Kiva
  • 86.6
    Kenya Shillings (KES) = $1 USD
Expired
A portion of Safania's Group's $5,950 loan helped a member to increased access to hybrid seed and fertilizer for harvesting maize, millet, and sorghum.
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Feb 1, 2014
Listed
Dec 9, 2013
Currency Exchange Loss:
Possible
Expired:
Feb 7, 2014