100%

funded

Total loan: $300

Naomi

Bungoma, Bungoma, Kenya / Agriculture

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A loan helped to buy farm inputs, such as certified seeds and nutrient-rich fertilizer, to boost the quality of her crop produce.


Naomi's story

Naomi, a 45-year-old mother of 4, is a woman with an unending desire to achieve. She hails from a remote village in the Bungoma area of Kenya, where farming has been embraced as the only primary economic activity.

Naomi has never shifted her attention away from farming; she has always worked hard to meet her objectives. Naomi enjoys generating an income by selling her crop harvest, which makes her feel accomplished. However, she finds the cost of farming inputs very high.

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 skyrocketed.

To meet the high costs, farmers have been forced to borrow from financial institutions that sometimes impose very complicated procedures in loan distribution. Some farmers, especially women, end up being disadvantaged.

Naomi has taken this loan to buy farm inputs, such as certified seeds and nutrient-rich fertilizer, to boost the quality of her crop produce in order to earn more profits and elevate her standard of living. This loan is the opportunity that she never had before. Naomi's irregular income and lack of collateral were the main drawbacks limiting her from loan access at commercial banks.

Thanks to Juhudi Kilimo and Kiva, the lives of Naomi and her family will be changed through this loan.