Total loan: $475


Nandi Hills, Nandi County, Kenya / Agriculture

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A loan helped to buy farm inputs such as certified seeds and nutrient-rich fertilizers to improve the quality of her farm products and as a focused woman, increase her income.

Martha's story

Martha displays one of the most breathtaking smiles when she remembers her ups and downs in her quest for success. She is a farmer from Nandi Hills, a land of seemingly never-ending beauty. Being a focused mother with the responsibility of parenting entirely on her shoulders, Martha ensures that she gives her children the best. She has learned a range of new farming techniques that can improve sustainability, enhance resilience, and that are likely to be helpful in adapting to climate change. She gets her income through dairy and crop farming. But farming gives her a great sense of satisfaction, despite the meagre earnings.

Her biggest challenge is drought. The long dry season can lead to crop failures and poor yields. Martha is taking this loan to buy certified seeds and high-nutrient fertilizers to expand her horticulture farm, reduce production costs and make more profits to sustain her family. This loan is therefore an opportunity that she never got before. Her irregular income and lack of collateral security were the main drawbacks limiting her from accessing a loan in commercial banks. Thanks to Juhudi Kilimo and Kiva, the life of Martha and her family will be changed through this loan.