Total loan: $900


Kericho, Kericho County, Kenya / Agriculture

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A loan helped to buy farm inputs such as high-quality certified seeds to improve her horticulture farming, and hence improve her income.

Joyce's story

You must have seen this smile before since Joyce (pictured above with her last born) is not new to Kiva. She has taken previous loans, which she has successfully repaid, making very great transformations in her life. She has come back to borrow from Kiva since she has confidence that Kiva lenders are the champions of hope in her life. Joyce is seeking a loan to buy certified seeds and nutrient-rich fertilizers to improve her farm and make more output.

Access to modern-quality farm inputs is the pillar of agricultural revolution. However, in Kenya, a developing country, fertilizers and seed allocation by the government is way below the needs of farmers. Since Juhudi Kilimo, which is in partnership with Kiva, ventured in the affairs of smallholder farmers in Kenya, farmers can attest that there has been a significant improvement on inputs availability. Joyce loves the way Juhudi carries out its operations in her area and feels inspired to borrow from the Kiva society. She is thankful for your goodwill and looks forward to changing her life this year.