Total loan: $400


Sotik, Kericho County, Kenya / Food

Villarine's loan finished fundraising,
but these similar borrowers just need a little more help to reach their goals!

A loan helped to buy different varieties of cereal grains, such as beans and maize, from local farmers and sell them to her customers to raise her standard of living.

Villarine's story

Villarine, a 25-year-old mum of five schoolgoing children, is a happily married woman who lives with her husband in a remote village in the Sotik region of Kenya.

She was attracted to farming when she was a child after observing her parents making profits when they sold their produce. In fact, she discovered that they were using the proceeds from farming to pay the school fees for her and her siblings.

She has been farming for the last few years. In her village, she practices mixed farming. The income she makes from selling milk and crops is used to meet the basic needs of her household. Though she has gathered much experience in this business, she is not comfortable with the little amount she earns, since she is the major breadwinner in her household.

Villarine enjoys the profits she gets from farming. However, due to the rising costs of living, she needs to boost her income by buying different varieties of cereals, such as corn and beans, from local farmers and selling them to her customers at the local market. Through this engagement, she will earn a commission that she intends to use to repay the loan and elevate her standard of living.

This loan is an opportunity that she's never had before. Her irregular income and lack of collateral security were the main drawbacks that limited her from accessing a loan from commercial banks. Thanks to Juhudi Kilimo and Kiva, the life of Villarine and her family will be changed through this loan.