Total loan: $975


Nyahururu, Nyandarua County, Kenya / Agriculture

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A loan helped to gain access to cost-efficient hybrid seeds and fertilizer for crop cultivation for this woman with a good credit history.

Joyce's story

Joyce (a 43-year-old mom of five) is a happy and cheerful mother who has benefited from a previous loan from Kiva. She wishes the Kiva world happy holidays. She started farming with the aim of supporting her children. Today, she has one kid attending school, and she is able to take care of all educational expenses. Joyce is a crop farmer who also practices dairy farming.

In Kenya, agriculture is one of the most competitive industries, especially due to the high costs of operations necessary to improve farming. Such costs include the cost of land acquisition and inputs, which have always skyrocketed. To meet the high costs of inputs, farmers have been forced to borrow from financial institutions that sometimes impose very complicated procedures in loans distribution. Some farmers, especially women, end up in hopelessness, despondency, and lack of morale to invest in agriculture.

Joyce is seeking a loan to buy farm inputs such as fertilizer and seeds to enable her to grow more crops, make profits, and assure her children of a stable future. This loan is 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 at commercial banks. Thanks to Juhudi Kilimo and Kiva, the life of Joyce and her family will be changed through this loan.