A loan helped to gain access to cost-efficient hybrid seeds and fertilizer for crop cultivation for this woman with a good credit history.


Joyce's story

Wonderful community of Kiva!

Joyce, a 45-year-old mom of 8, is a smallholder farmer who practices mixed farming. Joyce’s main sources of income come from milk and crops. However, she also engages in some personal businesses to help supplement her limited income.

In Kenya, agriculture is one of the most competitive industries, especially due to the high cost of farming improvements. Such costs include the cost of land acquisition and inputs, which have always been expensive. To meet the high cost of inputs, farmers have been forced to borrow from financial institutions, which sometimes impose very complicated procedures in loan distribution. Some farmers, especially women, end up hopeless and disadvantaged.

Joyce will use this loan to buy farming inputs such as certified seeds and high-nutrient fertilizers to improve her output, make more revenue, and raise her family's standard of living.

Please lend to this industrious woman.


This loan is special because:

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



Loan details


Lenders and lending teams




Loan details