Philis – Kenya

Philis has been a farmer for more than 20 years, and is now proud to represent her group of 19 farmers in Teso District. She is 37 years old, married and has four children.

Philis likes to think of herself as a very reliable person. She has been working alongside One Acre Fund since 2018 and decided to represent her group because she wanted to be more active in her community. She says that being part of the One Acre Fund community has meant that she has been able to consistently feed her family. Philis plans to use the profits from this coming season to send her children to school.

In total, Philis’ Group will receive inputs to cultivate 8.75 acres of land. Given that some members of the group will also be purchasing a solar light, with this loan, the group will also receive a total of nine solar lights.

This loan is special because: it supports smallholder farmers to purchase seeds and solar lanterns.

This loan is part of One Acre Fund’s integrated agricultural package, which provides groups of smallholder farmers with seeds and fertilizers on credit, onsite agricultural training, and insurance options. Borrowers also have the option to purchase solar lanterns as part of the loan package.

To give borrowers more flexibility, One Acre Fund permits them to switch groups, drop out of the program and change their loan amounts before receiving their inputs. To accommodate this, Kiva allows One Acre Fund to post loans for groups that may change in size and membership. Only the group leader is featured in the photo, representing the loans for each of his or her individual group members.

If a lender makes a loan to group containing a borrower that drops out, the lender will receive the full loan amount for that borrower back at the end of the harvest season. If the lender makes a loan to a group containing a borrower that decides to take a smaller loan amount after the loan is funded, the lender will receive the repayments from the smaller loan amount plus the full difference between the two loan amounts at the end of the harvest season.

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