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Everline's Group
In this Group: Everline, Jesca, Joseph
Everline’s group has three group leader farmers and is located in Busia District. The group leaders in this group represent a total of 28 individual farmers (not pictured) who are each asking for an average loan of 5,349 Kenyan shillings to purchase a One Acre Fund package for one-quarter acre of maize and one-quarter acre of sorghum or millet. As the Kiva group representative, Everline is pictured on the right of the Madete Kaviri Group with her hand raised.

Everline is a reliable member of the community. She is married with seven children. Everline is 35 years old and has been working as a farmer for the last 25 years to support her family. In addition to this, she is very active in her community and is involved in the women's group, prayer group, and burial committee. She described her harvest last year as not being with One Acre Fund. She hopes to continue working with One Acre Fund and enjoy the success she is having with the One Acre Fund farm packages.

Everline joined One Acre Fund in 2013, and is now enrolling in the Long Rains 2014 season as a group leader. She joined One Acre Fund so that she could get the best seed prices, get new farming methods, get fertilizer and hybrid seeds, and earn enough to feed her family and send her children to school. Because she likes being a leader, and she is an active community member, Everline wants to help more farmers and spread the story about One Acre Fund farmers. Everline has gotten more involved with One Acre Fund as a group leader and Kiva representative. Working with One Acre Fund has improved Everline's life because she has more farm training and more farm group support and was able to feed the family. In the future, Everline hopes that her profits from 2014 can be used to send her children to school, repair the home, save for the future, and buy a goat.

Everline and the Madete Kaviri 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.

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
  • 854
    View loans »
    Kenya Loans Fundraising
  • $43,028,475
    Funds lent in using Kiva
  • 86.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A portion of Everline's Group's $1,750 loan helped a member to provide Kenyan farmers with increased access to hybrid seed and fertilizer for harvesting maize, millet, and sorghum.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Disbursed:
Feb 1, 2014
Listed
Dec 9, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 31, 2014