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Oscar, 38, is a farmer with eight children from the remote region of Kabompo district, North Western Province, Zambia. He is asking for a Kiva loan to buy a water pump so that he may irrigate his vegetable farm.

Oscar started his business of farming vegetables for the local market in 2003. Currently he produces fresh maize, cabbage, and tomatoes. While his business is growing at a fast rate, his farm remains small and is limited by the seasons. He is also unable to expand his current crops as he is forced to fetch water with a bucket.

Equipment such as a water pump can be a major boost for many vegetable farmers such as Oscar, as it allows for increased production and more predictable yields due to irrigation. Unfortunately, it is rare to find equipment such as a water pump in such a remote region of the country, and transport to the capital city (two days travel) can be prohibitive. Once Oscar secures a loan, he will be able to get a water pump from Rent-to-Own, which will deliver the equipment to his farm, as well as provide training on how to use and maintain it.

With a pump, whether in the rainy season or dry season, Oscar will be able to produce and sell a range of produce throughout the year, unlike at the moment where he has a shortage of water during the dry season. The use of a pump will also mean that he can irrigate a larger portion of land in less time and not be restricted by the labor-intensive task of carrying water by hand to his field.

Oscar added that when he starts producing more products, he would like to extend his business to be able to serve markets in other nearby communities.

It is for this reason Oscar is appealing to the Kiva lenders to help him with the loan so that he can secure a water pump as soon as possible.

Additional Information

More information about this loan

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

About Rent-to-Own

Rent-to-Ownis a social enterprise that supports entrepreneurs in rural Zambia by providing financing and access to productive assets at low prices. The company uses a product catalogue for clients to purchase equipment needed to grow their businesses, and a network of local agents who leverage their social networks to decide if clients are credit-worthy.

Once clients are approved, Rent-to-Own provides a holistic set of services including delivery, installation, training, and repair services for their equipment to give clients the highest possible chance of succeeding. All equipment has a 30% mark-up over Rent-to-Own's purchase price. This mark-up covers all the logistical transportation costs that Rent-to-Own incurs in order to deliver the asset to the borrower, to provide training, ongoing support and to cover transaction costs. Kiva lenders’ funds are used to test new forms of asset financing to help more clients in new and innovative ways.

Rent-to-Own 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.

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

About Zambia

  • $4,100
    Average annual income
  • 2
    View loans »
    Zambia Loans Fundraising
  • $1,269,725
    Funds lent in using Kiva
  • 5.3
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Oscar to purchase a water pump to irrigate his vegetable crops and expand his farm.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 29, 2013
Mar 1, 2013
Currency Exchange Loss:
Oct 18, 2013