Total loan: $700


Kerugoya, Kirinyaga County, Kenya / Agriculture

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A loan helped a single mom to buy farming inputs such as hybrid seeds and fertilizer to improve production on her farm.

Millicent's story

Millicent is a farmer from a remote village in Kerugoya, Kenya. She is 26 years old and a single mom of two children. Millicent has defied the common thinking among Kenyans that agriculture is for the older generation. Her primary source of income is milk, and she also plants maize on her farm. Despite the backbreaking labor that she puts into her farm, her income is not sufficient to meet the demands of her family. She has only been able to afford low-quality farming inputs.

In Kenya, agriculture is one of the most competitive industries, especially due to the high costs of the operations necessary to improve farming. Such costs include the price of land acquisition and inputs, which have always been high. To meet the high costs of inputs, farmers have been forced to borrow from financial institutions, which sometimes impose very complicated procedures. Some farmers, and especially women, end up being disadvantaged.

Millicent is seeking a loan to buy farming inputs such as hybrid seeds and fertilizer to improve her farm's output and use the profits to educate her children. This loan will enable her to improve production through the use of quality farm inputs. This intervention will help her fill the increasing demand for food in the market, and in the process, generate more income to repay the loan and improve the quality of life for her family.

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