A loan of $5,575 helped a member to buy hybrid seed and fertilizer to cultivate maize, millet and sorghum.


Josphine's Group's story

This group consists of seven groups of farmers in the Lugari District with Josphine selected as Kiva representative. She is on the right in the photo with her hand raised. Supplies will be delivered to her and the 90 other farmers represented in this group. These supplies include the materials necessary 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 Ugandan shillings each.

Josphine is 57 years old and has been a farmer for 15 years. She works hard to provide for her three children. The community and other farmers know her as a friendly, hardworking, reliable and experienced farmer. Apart from farming, she is also involved in many community activities such as a women's group and a savings group. She described her harvest last year as good, but hopes she can have an even better one with the support of the One Acre Fund and the other farmers in her group.

Josphine’s first joined the group in 2013 and has continued working with it in order to get the best seed prices, and learn new farming methods to earn enough to feed family and send her children to school. As an active member of her community, she also chose to be a group leader and Kiva representative because she wants to help more farmers and spread the story of the One Acre Fund. Josphine plans to use future profits from her harvest to send children to school. Her life has improved because she has more profits, more farming opportunities and support and was able to feed her family.

Josphine and her group need a loan to cover the initial costs of buying seeds and fertilizer through the One Acre Fund. The fund will repay the Kiva loan on behalf of the farmers through the profits from their harvests. The fund pre-purchases seeds and fertilizer when prices are low and passes the savings to the farmers. Throughout the planting and harvesting season, the fund also provides training and support to farmers as they make payments. With this support, 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: Josphine, Petronilla, Christopher, Rachael, Alberty, Japhlet, Amin



Loan details


Lenders and lending teams




Loan details