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Doris, 41, lives in the farming region of Chibombo District with her six children. She has been running a small vegetable farm while also managing a grocery shop. Doris is asking for a Kiva loan so that she can buy a water pump to help irrigate and expand her small farm.

Using buckets, Doris has been drawing water from a nearby well to water her fields of green maize and onions. Over the past two years she has been selling her produce to markets in the nearby cities of Kabwe and Lusaka. While she wants to expand her farm further, she currently lacks a water pump.

Water pumps can be a major boost for small farmers such as Doris. 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 she secures a loan, Doris will be able to get a water pump from Rent-to-Own, which will deliver the equipment to her farm, as well as provide training on how to use and maintain it.

With a water pump Doris hopes to significantly expand her farm, while still having time to manage her small shop. She hopes to use the new profits from her farm to improve her shop while also support her children in school. It is for this reason that Doris is asking Kiva lenders to assist her with a loan so that she 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
  • 5
    View loans »
    Zambia Loans Fundraising
  • $1,273,325
    Funds lent in using Kiva
  • 5.3
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Doris to obtain a water pump for irrigation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Sep 9, 2013
Currency Exchange Loss:
Jul 17, 2014