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This is Herina. She is a mother, widowed in May 2014. Herina is adapting to the uphill responsibility of the sole breadwinner and paying high school fees for her son. She plans to add one more dairy cow that will increase supply of milk and manure. She is determined to change her fortunes by working hard to bring up her income through milk production and maize planting that will enable her feed and educate her son. A loan from Kiva will assist Herina build a stable source of income for her family.

Additional Information

More information about this loan

This loan is designed to empower small to medium-scale farmers in Kenya, where agriculture employs more than 75% of the work force.  ECLOF Kenya’s loans support a range of agricultural needs, including horticulture and the purchase of farm inputs such as fertilizer, seeds, animal feeds, vaccination and farm equipment. Loan terms are structured around the maturity of the crop and/or the payback period of the inputs purchased. Additionally, ECLOF Kenya hopes to provide loans to farmers for the purchase and installation of water harvesting and storage equipment like water tanks or sinking shallow wells. By funding this loan, you are helping small-scale farmers increase their production capacity, providing employment opportunities and contributing to food security in the country.

About ECLOF:

ECLOF Kenya is a microfinance institution that provides financial and non-financial services to micro, small, and medium entrepreneurs in Kenya. It provides a variety of services in all sectors of the economy.

The organization is committed to supporting low-income students in Kenya. ECLOF Kenya is currently working on a higher education loan program to benefit low-income students. Kiva’s partnership is extremely important in providing a low-risk strategy for launching the student loan product and providing many students with opportunities they otherwise would not have access to.

About Kenya

  • $1,800
    Average annual income
  • 557
    View loans »
    Kenya Loans Fundraising
  • $49,768,275
    Funds lent in using Kiva
  • 88.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Herina to purchase a dairy cow that will boost milk production hence income to pay school fees for her son.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 31, 2014
Aug 27, 2014
Currency Exchange Loss:
Aug 17, 2015