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Jumbo, 24, recently completed secondary school and has been irrigating his small farm using buckets for the past three years. He is requesting a Kiva loan so that he can buy a water pump to help him irrigate his crops.

Though he is young, he has experience growing many different crops including tomatoes, onions, fresh maize, sweet potatoes, and a local eggplant called ‘impwa.’ He has gained a lot of farming knowledge through attending training workshops put on by the government and by local NGOs, and he hopes that with a water pump he can see his business expand to new levels.

Water pumps can be a major boost for farmers such as Jumbo, who struggle to irrigate their crops during the dry season. A water pump allows for farmers to water their crops more regularly, while also increasing the area they are able to cultivate. Unfortunately, the upfront costs of such a water pump can be very prohibitive. Once he secures a loan, Jumbo 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.

Jumbo hopes to be able to one day send his young children to school. He plans to significantly increase his crop production once he has secured a water pump and plans to use the new profits to support his family. It is for this reason he is asking Kiva lenders to assist him with a loan so that he can obtain 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
  • 5.4
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jumbo to obtain a water pump for irrigation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Aug 29, 2013
Currency Exchange Loss:
Aug 18, 2014