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Saratu is a dedicated farmer and mother of three from Kaduna. As a Babban Gona member, Saratu, is excited about the opportunity to finally have access to credit, good markets and a trained agronomist. Like all Babban Gona members, Saratu can earn up to $2000/ha this season from growing maize, more than three times the Nigerian farmer’s average annual income. The average Babban Gona farmer yields 30 bags/hectare; double the national average of 14. However, Saratu is ambitious and is hoping that as a result of this loan, she will be able to access quality inputs such as fertilizer and improved seeds that will result in a yields that are higher than both the national and Babban Gona averages. Saratu is hopeful about what the future holds. Shehopes that with the increased income as a result of a high yield, she will finally be able to afford to educate her children Alhamdu, Yakubu and Jonathan. Saratu’s dreams do not end there: “ultimately, I want to ensure my children are educated and have professional jobs” she expressed.

Additional Information

More information about this loan

This loan is aimed at helping smallholder farmers. The farmers are divided into Trust Groups and deliver training and development services, inputs like seeds on credit and post-harvest marketing services. This Kiva loan will thus be used to provide borrowers with needed goods or services, as opposed to cash or financial credit. This system increases farmers’ yields up to 4 times the national average. In addition, Babban Gona markets its farmers’ produce to premium markets over the course of the year, ensuring that they receive the best price possible for their produce and have a steady flow of income year round. Kiva loans are used to help Babban Gona expand its services to more rural areas in Northern Nigeria. Babban Gona posts loans before the inputs are provided so there is a chance that farmers will change their input package after the loan is posted. As a result, the loan amount may slightly change after you fund the loan, and any difference will be repaid to you when the first loan repayment is made. By supporting this loan, you’re providing farmers with the opportunity to increase their yields.

About Nigeria

  • $6,100
    Average annual income
  • 171
    View loans »
    Nigeria Loans Fundraising
  • $6,497,675
    Funds lent in using Kiva
  • 162.1
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $75 helped Saratu to purchase high-quality inputs in order to double maize yield and income.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
At end of term
Jul 3, 2014
Jul 31, 2014
Currency Exchange Loss:
Nov 17, 2015