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Songa Mbele Group
In this Group: Eunice, Loice, Evans, Albert, Milton, Joseph, Beatrice, James, Nancy, Caroline, Elizabeth, Timona, Emmy
Eunice is a member of Songa Mbele Group in Lugari District. She is pictured with 13 One Acre Fund farmers, 7 women and 6 men. Eunice is standing on the right with her hand raised. She is receiving a loan for farm inputs that will help her to cultivate ½ an acre of maize and sorghum. The 2013 Long Rains season will be Eunice’s first season with One Acre Fund. She joined this year in order to gain access to hybrid seed and fertilizer and the group labor farming model.

Eunice described her harvest last year as poor. She hopes as a One Acre Fund farmer she is able to join the ranks of One Acre Fund farmers that have doubled their harvest in their first year of the program. She plans to spend the money that she earns from her next harvest on sending her children to school, repairing her home, buying livestock and perhaps investing in another business. She would also like to increase her acreage in the coming years. Eunice’s group members will each receive loans for farm inputs of ½ an acre during the 2013 Long Rains season. In total they will receive inputs for 6.5 acres of maize and sorghum.

The field officer is pictured on the left of the photo in the yellow shirt.

Additional Information

More information about this loan

This loan is part of One Acre Fund's integrated agricultural package, which provides groups of smallholder farmers with seeds and fertilizers on credit, onsite agricultural training, and insurance options. Borrowers also have the option to purchase solar lanterns as part of the loan package.

To give borrowers more flexibility, One Acre Fund permits them to switch groups, drop out of the program and change their loan amounts before receiving their inputs. To accommodate this, Kiva allows One Acre Fund to post loans for groups that may change in size and membership. Only the group leader is featured in the photo, representing the loans for each of his or her individual group members.

If a lender makes a loan to group containing a borrower that drops out, the lender will receive the full loan amount for that borrower back at the end of the harvest season. If the lender makes a loan to a group containing a borrower that decides to take a smaller loan amount after the loan is funded, the lender will receive the repayments from the smaller loan amount plus the full difference between the two loan amounts at the end of the harvest season.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

About One Acre Fund

With this loan, One Acre Fund will purchase fertilizer, seeds, and other important farming inputs to distribute to this farmer group during Kenya's next planting season in February. This distribution of farming inputs is part of One Acre Fund's integrated agriculture package, which includes training, reliable input supply (such as fertilizer and seeds), credit and insurance. Clients enroll between July and October for the following planting season, which begins in February. By purchasing inputs during these months, One Acre Fund is able to take advantage of the historically low farm input prices during this time of year in Kenya.

Members of One Acre Fund form groups in which each borrower guarantees the loans of all other borrowers in the group. One Acre Fund differs from a traditional microfinance institution, however, by allowing groups to split before the delivery of inputs at planting time. If a group were to split, each of the two new groups would have fewer members that could support a delinquency or default from a member. This may represent a different risk than that for a traditional MFI’s group loan.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Kenya

  • $1,800
    Average annual income
  • 515
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 85.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A portion of Songa Mbele Group's $550 loan helped a member to purchase hybrid seed and fertilizer for the cultivation of maize and sorghum.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Feb 8, 2013
Dec 16, 2012
Currency Exchange Loss:
Jan 2, 2014