A loan helped an ever-smiling mom to buy farm inputs, such as fertilizer, to enable her to grow more crops.


Mercy's story

Many rural farmers in Kenya struggle because they lack a reliable source of financing to fund their farming operations. Mercy, 43, is a farmer who always believes that life’s ups and downs should not be viewed as the end, but as an opportunity to learn to improve in life. She lives in the Nakuru area of Kenya.

Access to modern-quality farm inputs is the pillar of the agricultural revolution. However, in Kenya, a developing country, fertilizer and seed allocation by the government is way below the needs of farmers. Since Juhudi Kilimo, in partnership with Kiva, ventured into the affairs of smallholder farmers in Kenya, farmers can attest that there has been a significant improvement in availability of inputs. Mercy has requested this loan to pay for farm inputs such as quality fertilizers and hybrid seeds to help to improve her crop farm.

Being a woman and accessing funds in Kenya, especially around Nakuru, is very challenging, but Mercy feels relieved knowing there are institutions such as Kiva that help enterprising women like her. She is always working to improve her living conditions, but her biggest dreams are to become independent and support her family by herself.


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