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Esther
Wonderful Lenders! The above picture presents to you a 40-year-old woman who is very hardworking and very passionate about farming, a mother of four lovely children. She hails from the Nyamira area of Kenya, a region known for growing bananas. Esther was raised in challenging circumstances and her basic needs were never covered, so she vowed she would turn her life around and live a comfortable life. That is why she started mixed farming, and she has been farming for the past 14 years. Through dedication, hard work and commitment, she has been able to provide for the basic needs of her family. Although she makes some profit, she has the challenge of inadequate water for irrigating her crops and even for her home consumption.
Most of the rain water is wasted, and Esther wants to harvest that water. That is why she is kindly requesting a loan to buy a water tank. The Nyamira area has no piped water, and this means that you have to travel for long distances in such of “this precious commodity.” But, with the loan, she will be able to store water for home consumption. The loan will also help Esther irrigate her farm. She plans to use the sprinkle irrigation method, so that there will be a high production level on her farm. Esther always says “Water is a very precious commodity and should not go to waste”. Having access to funds is very challenging for African women, but with partners such as Kiva and Juhudi Kilimo, Esther is sure that her dreams will become a reality and she will be able to improve her living conditions. The profits from increased production of crops will be used to repay the loan and also to improving her living conditions. She also plans to buy more water tanks so that she can harvest as much water as possible. Esther awaits your kindness.

Additional Information

More information about this loan

Juhudi Kilimo works with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers. This loan will provide an income generating agricultural activity for small-holder farmers to improve their standard of living.

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic book keeping and local market research.

About Kenya

  • $1,800
    Average annual income
  • 580
    View loans »
    Kenya Loans Fundraising
  • $39,222,100
    Funds lent in using Kiva
  • 87.8
    Kenya Shillings (KES) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $350 helped Esther to buy a water tank to harvest rain water for home use and to irrigate her crops.
55% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 8, 2014
Listed
Aug 10, 2014
Currency Exchange Loss:
Possible