A loan of $4,850 helped a member to gain access to hybrid seeds and fertilizer for harvesting maize, millet, and sorghum..


Joy's Group's story

This group consists of 8 group leaders who are farmers in Chwele District, with Joy selected as the Kiva representative. Joy has volunteered to be the Kiva group representative and is on the right of the photo with her hand raised. Farming inputs will be delivered to her and the 78 other individual farmers represented by this group. The loan covers the necessary materials to plant ¼ acre of maize and ¼ acre of millet or sorghum. The individual farmers are not pictured here but will be receiving an average loan of 5,349 shillings. Joy is married and has 6 children. She is 38 years old and is known as hardworking. She is active in her community in groups such as the women's group. Joy has been a farmer for 16 years. She described her harvest as good last year, but believes she can have an even better one this year by continuing to work with One Acre Fund. Joy first enrolled with One Acre Fund in 2010 and is now preparing to be a One Acre Fund farmer during the 2014 Long Rains season. She joined One Acre Fund in order to earn enough to feed her family. She also volunteered to be a group leader and Kiva representative because she wants to help more farmers. Joy plans to use the money that she earns from her next harvest to buy a cow. She notes that working with One Acre Fund has led to many benefits for One Acre Fund farmers. Joy’s own life was improved because she was able to feed her family. Joy and her group need a loan to cover the initial costs of purchasing seeds and fertilizer through One Acre Fund. One Acre Fund will repay the Kiva loan on behalf of the farmers through the profits from the farmers’ harvests. One Acre Fund pre-purchases the seeds and fertilizer when prices are low and passes the cost savings on to the farmers. Throughout the planting and harvesting season, One Acre Fund also provides training and support to the farmers as they make payments back to One Acre Fund. With support from One Acre Fund and your loan, these farmers will have a chance at a successful harvest, increased profits and improved lives.

In this group: Joy, Isabella, Pascal, Carolyne, Esther, Judith, Elizabeth, Charles
*not pictured



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