Total loan: $500


Kitale, Trans-Nzoia County, Kenya / Agriculture

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A loan helped a widowed mom to buy farm inputs, such as certified quality seed and fertilizer, to improve her crop farming.

Caroline's story

Caroline (pictured in her simple house), 46-year-old widowed mom of four, is a self-driven mother who believes she has what it takes to make a difference in her remote village and farm. She's a Kiva borrower who always pays her loan on time.

Her zeal and drive motivated her to start practicing mixed farming a few years ago. Her family is the greatest thing in her life. They make her feel accomplished in life. The many obstacles she's faced are not all setbacks because Caroline has been making great profits in farming.

In Kenya, agriculture is one of the most competitive industries, especially due to the high cost of operations necessary to improve farming. Such costs include 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 on loan distribution. Some farmers, especially women, end up disadvantaged.

Caroline is humbly requesting a loan from Juhudi Kilimo, via Kiva lenders, in order to buy farm inputs, such as high-quality seeds and nutrient-rich fertilizer, to greatly improve her farm yield and make more income to care for her family.

With this loan, Caroline expects to increase her crop production, which will translate into a high, good-quality yield. Her living standards will be completely changed. Caroline and her family are grateful for the impact this loan will have on their lives.