A loan of $3,050 helped a member to buy hybrid seed and fertilizer to grow maize, millet, and sorghum.

Janepher's Group's story

Janepher’s group has five farmers in the Chwele District. Each person in this group leads a loan group, and together they represent 49 individual farmers (not pictured) who are each asking for an average loan of 5,349 shillings to purchase a One Acre Fund package for ¼ acre of maize and ¼ acre of sorghum or millet. As the Kiva group representative, Janepher is pictured on the right of the group with her hand raised.

Janepher is married and has four children. She is 39 years old and is known as hardworking, reliable and trustworthy. She is active in her community in women's, savings and prayer groups. She has been a farmer for 20 years, and described her harvest as good last year, but believes she can have an even better one this year by continuing to work with the One Acre Fund.

Janepher first enrolled with One Acre Fund in 2010 and is now preparing to be a One Acre Fund farmer during the 2014 rainy season. She joined the fund to learn new farming methods, get fertilizer and hybrid seeds and earn enough to feed her family. She also volunteered to be a group leader and Kiva representative because she wants to help more farmers and spread the story of fund farmers. Janepher plans to use the money that she earns from her next harvest to repair her home and buy a goat. She notes that working with the One Acre Fund has lead to many benefits for participating farmers. Janepher’s own life was improved because she has more training and was able to feed her family.

She and her group need a loan to cover the initial costs of purchasing the seeds and fertilizer through the fund. The One Acre Fund will repay the Kiva loan on behalf of the farmers through the profits from the farmers’ harvests. The fund pre-purchases the seeds and fertilizer when prices are low and passes the cost savings to the farmers. Throughout the planting and harvesting season, the fund also provides training and support to the farmers as they make payments. With support from our fund and your loan, these farmers will have a chance at a successful harvest, increased profits and improved lives.

The field officer is also included in the photo and is standing on the left.

In this group: Janepher, Waliaula, Eddah, Charles, Sussy
*not pictured

Loan details

Lenders and lending teams

Loan details