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Patrick – Nyandarua South, Kenya / Farming

Patrick’s story

Patrick is 62 years old. He is married to Martha. They have no children below 18 years old. For the past 23 years, Patrick has been a farmer and he currently earns a monthly income of KES 40,000.

Patrick is requesting a loan of KES 98,000 from VisionFund Kenya to purchase seeds and fertilizer for his crops. This will be his 11th loan and he has successfully repaid his previous loans. Patrick will use the anticipated profits from his loan to purchase food for his family.

His hopes and dreams for the future are to enjoy an improved life with his wife.

A loan of $950 helps to buy seeds and fertilizer.

This loan is special because:

It helps small-scale farmers increase their production, create jobs and strengthen food security

Dl_Ndeme Group – Senegal / Livestock

Dl_Ndeme Group’s story

This group was created in September 2013 and brings together independent women who are principally involved in business and raising animals.

Khady, standing at the right in the photo with her hand raised, is the group’s representative. She is 49, married and mother to six children, of which three are girls. She is active in animal raising, which she has mastered very well.

She plans to buy sheep at a low price at the weekly markets in her area and livestock feed to fatten them up so that she can resell them.

After the sale, the profits she’ll earn will serve to support the schooling needs of her children, and also be reinvested in her business.

In this group: Thiara , Khady, Ndeye, Ndeye, Thioro

Translated from French.

A loan of $3,175 helps a member to buy sheep.

This loan is special because:

It empowers women in rural Senegal.

Jocelyn – Petit-Goâve, Haiti / Beekeeping

Jocelyn’s story

Jocelyn, aged 57 years old, is a rural entrepreneur who wants to invest in beekeeping. Previously, he was breeding animals in his little farm. After participating in a beekeeping training course offered by a local organization, he learned the techniques to get started in beekeeping.

He is now seeking a loan to buy modern hives, a beekeeping mask, a smoker, and some tools. Jocelyn thinks that this new business will allow him to earn more money to improve the living conditions of his five family members. He would like to maintain a solid relationship with Kiva lenders, as this represents a big opportunity for him.

A loan of $425 helps to buy modern hives, a beekeeping mask, a smoker, and some tools.

Juan Fiser -Olancho, Honduras / Cattle

Juan Fiser’s story

Juan, 44 years old, is married, and lives with his spouse. He owns a house in the municipality of Patuca Olancho in eastern Honduras and has worked raising animals for many years. He says that it has gone very well for him because, thanks to his business, he has managed to have his property where he works.

He is asking for the loan to purchase calves to graze and, in this way, to continue expanding his cattle-raising business. His dream is to get ahead so that when his family grows, he has the means to respond. With the support of the loan, he will achieve his dreams.

Patuca, Olancho, Honduras

This loan is special because:

It has a below-market interest rate and is repaid at harvest, when farmers can more easily repay.

Sarah – Fort Portal, Uganda / Agriculture

Sarah’s story

Sarah needs a loan to buy fertilizers to apply to her garden. She lives in Fort Portal, Uganda. She is a mother of four children.

She has been farming for 10 years, particularly onions, although sometimes she ventures into dairy farming. She is faced with a challenge of pests and diseases, which have reduced her crop yields. She hopes to use better or improved methods of farming and wants money to buy fertilizers to apply on her onion plantation to get better yields.

This loan is special because:

It helps increase the productivity and income of rural farmers in Uganda.

A loan of $1,225 helped to buy fertilizers to apply to an onion plantation to get better yields.


Timothy – Kangundo, Kenya / Retail

Timothy’s story

Timothy is 63 years old. He is married and blessed with six children. His business is a furniture shop, which he has had for four years.

This is his first loan which he will use to buy tables, sofa sets and other furniture. He will use profits from his expanded business to provide for his family’s basic needs like food, clothing, medical care and school fees.

His hopes and dreams are a sustainable business and a good standard of living for his family.

This loan is special because:

It provides financial services and education in deep rural areas.

A loan of $700 helps to buy tables, sofas and other furniture to sell.

Benjamin – Kamwenge, Uganda / Pigs

Benjamin’s story

Benjamin, who is a married man with one child, has been in this business for over 4 years. His main source of income is from a piggery project that supplements the salary he earns as a parish chief in Kamwenge, Uganda. He wants to use the loan got to buy feeds for pigs for the pigs to be healthy and good looking as, this helps to attract more customers and increase his income. He is challenged by high prices for feed, which limits his ability to buy more.



This loan is special because:

It helps increase the productivity and income of rural farmers in Uganda.

A loan of $425 helps to buy feed for his pigs.

Marco Antonio – Mexico / Personal Medical Expenses

Marco Antonio’s story

Marco is 55 years old. He and his partner are in a common-law relationship. For the past 25 years, he has worked at his own business.

Marco was recently diagnosed with a condition in his eyes that is causing him to gradually lose his vision, which has left him extremely depressed. He is in urgent need of cataract surgery, but unfortunately, he does not have sufficient resources to cover the cost of the operation. Due to this situation, Marco is requesting financial assistance so that he can undergo the procedure as soon as possible. He hopes to regain his vision with the surgery, which would give him great joy and satisfaction.

A loan of $550 helps to pay for cataract surgery.

Damira – Kyrgyzstan / Farming

Damira’s story

Damira is 47 years old, married and has three children. Damira has a high school education. As a source of income for her family, she has worked with livestock breeding and field crop cultivation since 1996. Thanks to Damira’s persistent work, her farm currently has 40 sheep, four horses and 6.43 hectares of irrigated land, on which she grows beans.

With an aim to further develop her business, Damira turned to the bank “Bai Tushum” for a loan in the amount of 50,000 som (KGS) to purchase fertilizers to grow organic beans. A part will also go to purchase livestock, with an aim to increase the income from livestock breeding. Damira plans to invest the income from the loan in further developing her business through increasing her herd and in giving her children a quality education.

A loan of $725 helps to purchase fertilizers to increase her income with a good harvest of organic beans, and to buy livestock to increase her income from livestock breeding.

San Nicolas -Combapata Group – Combapata/Canchis, Peru / Animal Sales

San Nicolas -Combapata Group’s story

Anastacia belongs to the San Nicolas- Combapata communal bank. She is 63 years old and works raising animals. She has been doing this work for a long time and it is going well for her thanks to the effort she puts into her business every day.

She is a responsible person who hopes to earn more income from her business and thus continue supporting her family. This is how she helps her family get ahead.

Anastacia is asking for the loan to buy animals and feed, among other items. The bank members are very grateful for the loan provided and promise to comply with the established loan repayments.

In this group: Anastacia, Gregoria, Elvira, Medali, Luz Amparo, Jaime, Julia

A loan of $2,900 helped a member to buy animals and feed, among other items.

Bertila Oyotún – Chiclayo, Peru / Poultry

Bertila’s story

Bertila is 41 years old. She lives with her husband and their 2 children in a rural area of the Oyotún district. The inhabitants earn a living through farming and commerce. It is located two hours from the town of Chiclayo.

She has earned a living for 4 years rearing and selling animals such as: chickens, ducks, pigs etc. When they reach a good point of development, she offers them for sale to the businesspeople who always visit the area where she lives.

She hopes to invest in the purchase of poultry and their balanced feed to sell them at a better price and generate greater income for her family. To do this she has asked Edpyme Alternativa for a loan of 1500 PEN.

Bertila is an honest and hard-working person, with good personal and professional references. Her greatest wish is for her family to achieve a better quality of life.

A loan of $475 helps to buy poultry and their balanced feed to sell them at a better price and generate greater income for her family.

Jimmy Enrique – Morropón – Piura, Peru / Animal Sales

Jimmy Enrique’s story

Jimmy Enrique, 33, in a civil union, lives with his partner and his two children in their own home in Morropón District, province of Morropón, department of Piura, Peru. He has both very good personal and work references from dwellers in the district. Most inhabitants in this area work in farming, trading, and livestock breeding.

He has over 8 years of experience in raising and selling pigs. He is asking for a loan to buy more animals such as chickens, hens, ducks, etc., as well as feed for them. This way he can make a higher income for himself and his family.

A loan of $325 helps to buy more animals such as chickens, hens, ducks, etc., as well as feed for them.

Manuela – Suchitepéquez, Guatemala / Farming

Manuela’s story

Mauela is a very hard-working person. She has been growing coffee for several years. She says that she has been able expand her crops since she has had access to the loans from ADICLA, which provide her with an increase of working capital. This has contributed to improving the quality of her production, so she wants to continue growing as a coffee producer. That is why she is requesting a loan that she will invest in the purchase of farm supplies for maintaining her coffee crop.

A loan of $850 helps to purchase farm supplies for the maintenance of her crop.

Xemuj Group-Totonicapán, Guatemala / Livestock

Xemuj Group’s story

The Friendship Bridge Trust Bank “Xemuj” is located in the cool province of Totonicapán. 30-year-old Miriam is a member of the group, along with 10 others. She and her husband work hard to provide a better quality of life for their three children (2, 5 and 8 years old).

Miriam wants her children to have good educations so they can become successful professionals. In her own words, “I did not have an education. However, I developed my business to provide my children with an education. I don’t want them to have the same future as me!” She has been able to start achieving her goal using the proceeds of her small farm (chickens, pigs).

Miriam is requesting a KIVA loan to buy chickens, pigs and feed for them. She and her friends are requesting their first KIVA loan to invest capital into their small businesses – traditional textile production and animal husbandry. They, along with 30,000 other low income Guatemalan women, participate in the Friendship Bridge “Microcredit Plus” program of loans, education, healthcare.

The ladies have monthly meetings where they make payments on their loans and then are engaged in educational sessions that include topics like health, nutrition, hygiene and business management. Miriam says, “culturally, women have a restriction on formal education, but the advice we receive in our trainings helps us move forward!”

The women of “Xemuj” are very grateful for the generous support of KIVA investors. Thank you!!!

In this group: Francisca , Miriam Mishell , Irma Rutilia , Felipa , Maria , Juliana Everilda , Ana Feva , Estela , Ana Catalina , Victorina , Juana Noelia

A loan of $5,625 helps a member to buy chickens and pigs.

Andres Marcial – San Martin, Peru / Animal Sales

Andres Marcial’s story

Andres Marcial is 44 years old and lives with his family in the small village of Mashuyacu Lt 26, a rural zone in Rioja in the San Martin district which is located 14 hours from the city of Chiclayo. He is an established client who has made his living raising and selling animales such as guinea pigs and chickens for three years. He has lived in the small village of Mashuyacu for 12 years with his wife and four children. The ten year old is in school and the 7, 3, and 1 year old children do not attend any program. He also makes his living growing rice on land he owns with his wife. He owns his own home. On the days he doesn’t work in his field he works as a farm laborer working from 6 am to 5 pm and earning 300 soles per week.

He would like to invest in his business by buying more animals to help him keep up his business. He is also starting to plant rice and needs to buy fertilizers. In order to reach his goals he has requested a loan of 2,501 soles from Edpyme Alternativa. He is an established client with good personal references. His greatest desire is to ensure that his family has a better quality of living.

A loan of $750 helps to buy more animals and fertilizers to keep his business running.

Orlando Jose – Teustepe, Nicaragua / Cattle

Orlando Jose’s story

Orlando, age 40, is a hardworking and responsible man. Above all else, he is extremely dedicated to his business of raising cattle. As a result of this business, he has been able to get ahead and provide a better quality of life for his family, which consists of his wife and two children. Orlando is very grateful to Kiva and MiCrédito for the unconditional support he has received from both organizations. Thanks to the assistance, he has been able to gradually grow his business.

Given that he has had very good experiences, the loans have become an essential tool to help him grow as a farmer. Today Orlando has approached Kiva and MiCrédito once again to benefit from another loan so that he can continue capitalizing his business. He will use the proceeds to buy feed for his cattle, as well as wire and wooden posts to build another fence since he is no longer able to contain his animals.

In the future, Orlando would like to continue growing his cattle business and acquire new heads of cattle so that he can secure a prosperous future for his family.

A loan of $750 helps to buy cattle feed, as well as wire and wooden posts for building another fence.

Jony – Achica Baja, Bolivia / Cattle

Jony’s story

Jony is 26 years old and has his own house and pasture. His home does not have electricity, but he and his wife manage to support themselves by producing and selling cheese. Jony is the father of a two-year-old child.

He is requesting a loan to buy cattle.

A loan of $1,450 helps to buy cattle.

Mahfuza – Konibodom, Tajikistan / Food Market

Mahfuza is a novice entrepreneur from Konibodom city. She is an ambitious, energetic, and enterprising woman. At 28 years of age, she is starting her own retail business. Mahfuza has obtained a space for a shop and intends to sell groceries. Mahfuza is married. Her husband will help her. She has two daughters and one son, all of whom are still minors. Thus Mahfuza wants to quickly start her business in order to bring in income for the family. Her husband will help her with the retail business. Mahfuza applied for a loan, hoping for help. After buying the goods, she will be able to open her new grocery store. Please support Mahfuza!


She thanks you for your support.

 and printing.

A loan of $325 helps to purchase food products for opening a grocery store.

Mithu – Nepal / Farming

Mithu is 60 years old. In 2003, she established her agriculture business. She has already received and successfully repaid five loans from Patan BPW, and she used her most recent loan to buy fertilizers and seeds.

In the future, she plans to lift up the economic condition of her family.

She thanks you for your support.

 and printing.

A loan of $550 helps to buy seeds and fertilizers.