A loan of $250 helped to venture into horticultural farming.


Joyce's story

Joyce is 24 years old and lives in the town of Kericho. She is very clear about what she wants from her life. For that reason, three years ago she decided to begin practicing mixed farming. Tea, maize farming and dairy farming are the most popular and lucrative economic activities for people in the Kericho area.

Joyce is seeking a loan to venture into horticultural farming. The new venture will marry well with dairy farming, and the combination of the two activities will bring her and her family untold benefits. With this loan, the horticultural farm she will start will complement the existing dairy farm in the following ways: income from dairy will pay for horticultural expenses as crops mature; lump sum income from crop farming will be rolled back into the business to buy more cows and plant more crops in the coming season; by-products from crop farming such as maize stalks, cobs and off-coloured grains will be used as dairy feeds; by-products from dairy such as cow dung will be used for biogas generation and manure for planting crops. The impact of this investment is sure to have a big impact on the quality of life of Joyce’s family.


This loan is special because:

It finances smallholder farmers to purchase dairy cows, chickens and farming equipment.



Loan details


Lenders and lending teams



Loan details