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Trust, 48, is a farmer with two children from the farming area of Chibombo District, Zambia. He is asking for a Kiva loan to buy a water pump so that he can irrigate his vegetable farm.

Trust has been farming vegetables to sell at local markets for more than seven years. Currently he produces butternut squash, green peppers, and cucumbers. He has even found a buyer at a major market in the capital city who wants to purchase large quantities of watermelons. Unfortunately, without his own pump, Trust is unable to meet this demand.

Equipment such as a water pump can be a major boost for many vegetable farmers such as Trust, as it allows for increased production and more predictable yields due to irrigation. Unfortunately, the upfront cost of productive equipment such as water pumps can be prohibitive, forcing many to do the labor-intensive task of watering by hand, or through occasionally hiring a pump. Once Trust 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 Trust will be able to increase his production and even expand into growing different crops. 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. Trust is eager to expand his production so that he can effectively supply the larger markets in Lusaka, the capital city.

It is for this reason Trust is asking 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
  • 1
    View loans »
    Zambia Loans Fundraising
  • $1,216,650
    Funds lent in using Kiva
  • 5.3
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Trust to pay for a water pump kit that will be used for irrigation.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 28, 2013
May 29, 2013
Currency Exchange Loss:
Dec 17, 2013