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Katani, 46, has seven children and is a farmer from Chibombo District, Zambia. He is asking for a Kiva loan so that he can buy a water pump to irrigate his vegetable crops.

Using buckets, Katani has been able to draw water by hand from a nearby well and irrigate his green peppers and a local eggplant called “impwa.” For the past six years he has been able to sell his produce at several local markets and in the capital city, Lusaka. Without a water pump, however, it is difficult for him to further expand his farm.

Water pumps can be a major boost for farmers such as Katani. 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, Katani 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 water pump, Katani hopes to significantly increase the area of his fields, and in turn, increase his profits. He hopes to use the profits to pay for school fees as all seven of his children are of school age. It is for this reason Katani is asking Kiva lenders to help him with a 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
  • 3
    View loans »
    Zambia Loans Fundraising
  • $1,283,000
    Funds lent in using Kiva
  • 5.4
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Katani 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