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Mussa is 24 years old and a third-year student at the Instituto Superior Politecnica de Manica (ISPM), an agricultural training college near Chimoio in Mozambique. Mussa’s widowed mother provides for his two brothers, two sisters, and him through subsistence farming, but she does not make enough money for school fees. Mussa had always wanted to go to school and originally wanted to study Mathematics, but he was only offered a scholarship for the agriculture program. He learned quickly, however, that he had talent at farming and could make a good living doing so. He earned $100 through his first practical experience growing peppers on a small plot.

With this loan, Mussa will be able to plant 10 hectares of maize, soya, and cowpeas on part of the university’s farm plot. He plans to use the profits he earns to pay for his fourth and final year of university, which is not covered under the scholarship, and to invest in increasing the area of land he cultivates next year. One day, Mussa hopes to own his own farm and equipment.

Additional Information

More information about this loan

Kiva's support will finance the direct crop and services costs for each participating farmer, including financing their first small student plots. The loan will pay for all necessary inputs and associated services from end to end. These expenses include: seeds, fertilizers, and herbicides; land preparation, planting, and spraying; and harvesting, bagging, and transport of crops. An innovative component of the loan product is a weather insurance feature, which is covered by the interest fee on the loan. Weather index insurance is purchased on behalf of the farmers at the beginning of the planting season, and if aggregate rainfall in the critical months of January and February falls below a certain level, the farmers fully recover their direct crop costs.

About Africa Agricultural Development Company

Africa Agricultural Development Company (AgDevCo) is a nonprofit venture capital organization that invests to create successful agribusinesses. Their mission is to relieve poverty directly and indirectly by raising agricultural productivity for rural communities in sub-Saharan Africa, particularly by investing in smallholder farmers. Kiva’s support will finance the direct crop and services costs for each participating farmer, including financing their first small student plots.

AgDevCo joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

About Mozambique

  • $1,200
    Average annual income
  • 0
    View loans »
    Mozambique Loans Fundraising
  • $2,937,000
    Funds lent in using Kiva
  • 29.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $7,375 helped Mussa to purchase maize, soya, and cowpea seeds, fertilizer, and other inputs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 3, 2012
Nov 30, 2012
Currency Exchange Loss:
Jan 23, 2014