Total loan: $1,000


Sotik, Kericho 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.

Janet's story

When Janet, 66 years old, heard of the good job that Kiva does in supporting farmers around the globe, she became very excited. Despite adversities, she just smiles. Janet is a very hardworking and self-driven mother. She is known in her village for her never-ending and resilient nature. Her main source of income includes dairy and crop 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 materials, which have always skyrocketed. To meet the high costs of materials, farmers have been forced to borrow from financial institutions that can sometimes impose very complicated procedures in loan distribution. Some farmers, especially women, end up being disadvantaged. Therefore, she is borrowing this loan to buy farming inputs (good-quality fertilizers and hybrid seeds) to produce more on her farm and increase her level of income so that she can comfortably sustain her family. Lenders, if there is someone that you should lend to before the year 2020, then that person is Janet. She will not let you down.