Love making a difference with Kiva? Your donations keep us running.

Thank you for the impact you’ve made this year! Together we’ve funded more than 170,000 loans and raised more than $120 million for financially excluded people around the world. It costs us more than $3 to facilitate each $25 loan, and we rely on optional donations from individuals like you to cover our costs.

Other amount



Total loan: $375


Kaduna, KD, Nigeria / Education

Ummar's loan finished fundraising, but these other borrowers need your support

A loan helped to buy books and uniforms for school-going children.

Ummar's story

With only one rainy season per year in northern Nigeria, maintaining healthy and nutritious food supplies year-round or during periods of drought can be challenging for farmers.

Luckily, as a Babban Gona maize farmer, Ummar receives crop insurance and access to high-quality inputs and services, so he does not have to worry about failed crops or poor harvests.

Through this loan, known as a harvest advance loan, Ummar will receive a cash advance equal to the price of his maize that allows him to buy books and uniforms for school-going children while Babban Gona stores his maize to sell in the future at a better price.

With his increased income, Ummar will be able to enjoy a healthier life and also help out other members of his Trust Group and village to build a more productive community.