Farm crop expansion and mechanisation

Paul Kamande

Juja, Kenya

100% repaid

Entrepreneur

Name

Paul Kamande

Location

Juja, Kenya

On-time repayments

212 weekly installments  •  30%

About Me

I am a twenty-three year old Kenyan citizen currently in my fifth year of Electrical Engineering at the Technical University of Kenya. I ventured into the farming business after having a hard time with school debts in my second year. I had Ksh. 10,000 from my savings and used it to buy spinach, watermelon, and potato seeds to plant on our two acre farm. I used my first profits from the farm to buy a calf worth Ksh. 15,000 and paid the debts off. I then began working as an event planner part time during the weekends earning Ksh. 2,000. This enabled me to take care of my aging parents and pay for my school fees. I want to put up a rabbit house and with luck, be very profitable after two months. I hope that the members of Zidisha will enable my dream to come true.

My Business

I deal with mainly farming apart from the other part time job as an event organizer.
Kenya has about 40 million people. Agriculture contributes over 25 percent of the GDP. Close to 80 percent of the population live in the rural areas and derive much of their livelihood from land i.e. crops and livestock. Sixteen percent of the country is High and Medium Potential Land (HMPL) while the remaining 84 percent, supporting about 25 percent of the human population, is classified as Arid and Semi-Arid Land (ASAL) areas where livestock is almost the sole source of livelihood for the communities living in the area. Livestock contributes about 50 percent of Agricultural GDP and over 10 percent of the national GDP. Dairy production, the largest contributor to the livestock GDP, accounts for an estimated 33 percent of the agricultural GDP (Staal et al., 2003).
Farming as a business is a relatively new concept for small-scale farmers who have traditionally farmed as a way of life to provide for their subsistence needs. Commercial farming was previously associated with industrial crops and large-scale farms.
The Kamandes Farm involves a deliberate choice of farm enterprises with an aim of maximizing on the benefits that farmers gain from their activities. It involves a change in the way smallholder farming is perceived. This is because farming is a profitable venture which provides gainful employment and a source of livelihood for many people.
Having started its operations in 2000 by my parents, it didn’t produce much then as little capital was invested in it due to the fact that they were working and living in Thika. In 2002, My Mother left Thika to go to Makuyu and concentrate on the farm and was later followed by my Father in 2008. I was left in Thika while working in various companies as depicted in my curriculum vitae before joining the Kenya Polytechnic University College in 2010. I have attached my calling letter to the institution.
In 2011, I took control of operations in the farm. I have managed to make a variety of achievements among them being purchasing a Friesian calf, registering the farm at Sheria House, enlightening my parents on good farming practices that I have managed to learn from school and through various projects like Agricultural shows, extension officers, field days, radio programmes, magazines, internet, brochures and booklets. So far, I have managed to achieve these, high academic honors while still ensuring operations ran smoothly in the farm and I believe with Zidisha's Assistance, more will be felt largely.
The Expansion and Improvement project of the Kamandes Farm with additional poultry houses will have a significant impact on the livelihood of many people and the country at large in its Gross Domestic Product.The loan will give me room to create more employment opportunities for the less fortunate around my home area, minimizing idleness and crime. We will also be in a position to fully utilize the available resources, start an awareness programme to my fellow students in school and also to the world at large by setting up a website that will seek the youth to practice farming as either a career or part time occupation that will make them not sorely rely on getting jobs in the corporate world which is increasingly becoming difficult.

Loan Proposal

Dear Lenders,
The loan granted by you will be in the following criteria:
Ksh. 25,000 which is ($271.997) to purchase electrical components for me to make a water pump power panel, hence enabling me be able to save Ksh. 40,000 ( $435.195) more as purchasing the panel for the pump is Ksh. 65,000 ($707.191) or more. I will use my acquired skills from school and put it into practise. I already have the electrical diagram, and the panel will take me only a single day to assemble after which the water pump will be working well. The pump will boost water supplies in the farm and more so for the banana suckers I plan to plant.
Ksh. 32,000 ($348.156) will be used to purchase banana suckers. I am diversifying more to banana farming since it has proved to be also a lucrative business which has ready market that is actually 10% satisfied, leaving the rest 90% open.
Ksh. 30,000 (326.599) will be used to purchase Twelve 90kg bags of dairy meal. These are the feed for the cows and they work well boosting milk levels, hence more production.
Ksh. 15,000 ($163.300) will be used to purchase watermelon seeds, since I have a new piece of land where I have decided to plant them.They fetch a very good market here, hence a good business.
Kindly fund my loan.
Thanks

Show original English  

About Me

I am a 29 year old Kenyan citizen who graduated from Technical University of Kenya with Bachelor of Engineering Degree in Electrical and Electronics Second Class Honors (Upper Division).
I ventured into farming business after facing fee payment hardship in my second year in the university. I had Ksh. 10,000 from my savings and bought spinach, watermelon, and potato seeds to plant on our two acre farm. My first gain from the farm, I purchased a calf worth Ksh. 15,000 and paid the outstanding fee balance. I then engaged as an event organizer on part time basis, that is during the weekends, whereby I earned a minimum of Ksh. 2000 in a weekend. This enabled me clear my education.

My Business

I deal with mainly farming apart from the other part time job as an event organizer.
Kenya has about 40 million people. Agriculture contributes over 25 percent of the GDP. Close to 80 percent of the population live in the rural areas and derive much of their livelihood from land i.e. crops and livestock. Sixteen percent of the country is High and Medium Potential Land (HMPL) while the remaining 84 percent, supporting about 25 percent of the human population, is classified as Arid and Semi-Arid Land (ASAL) areas where livestock is almost the sole source of livelihood for the communities living in the area. Livestock contributes about 50 percent of Agricultural GDP and over 10 percent of the national GDP. Dairy production, the largest contributor to the livestock GDP, accounts for an estimated 33 percent of the agricultural GDP (Staal et al., 2003).
Farming as a business is a relatively new concept for small-scale farmers who have traditionally farmed as a way of life to provide for their subsistence needs. Commercial farming was previously associated with industrial crops and large-scale farms.
The Kamandes Farm involves a deliberate choice of farm enterprises with an aim of maximizing on the benefits that farmers gain from their activities. It involves a change in the way smallholder farming is perceived. This is because farming is a profitable venture which provides gainful employment and a source of livelihood for many people.
Having started its operations in 2000 by my parents, it didn’t produce much then as little capital was invested in it due to the fact that they were working and living in Thika. In 2002, My Mother left Thika to go to Makuyu and concentrate on the farm and was later followed by my Father in 2008. I was left in Thika while working in various companies as depicted in my curriculum vitae before joining the Kenya Polytechnic University College in 2010. I have attached my calling letter to the institution.
In 2011, I took control of operations in the farm. I have managed to make a variety of achievements among them being purchasing a Friesian calf, registering the farm at Sheria House, enlightening my parents on good farming practices that I have managed to learn from school and through various projects like Agricultural shows, extension officers, field days, radio programmes, magazines, internet, brochures and booklets. So far, I have managed to achieve these, high academic honors while still ensuring operations ran smoothly in the farm and I believe with Zidisha's Assistance, more will be felt largely.
The Expansion and Improvement project of the Kamandes Farm with additional poultry houses will have a significant impact on the livelihood of many people and the country at large in its Gross Domestic Product.The loan will give me room to create more employment opportunities for the less fortunate around my home area, minimizing idleness and crime. We will also be in a position to fully utilize the available resources, start an awareness programme to my fellow students in school and also to the world at large by setting up a website that will seek the youth to practice farming as either a career or part time occupation that will make them not sorely rely on getting jobs in the corporate world which is increasingly becoming difficult.

Loan Proposal

Dear Lenders,
The loan granted by you will be in the following criteria:
Ksh. 25,000 which is ($271.997) to purchase electrical components for me to make a water pump power panel, hence enabling me be able to save Ksh. 40,000 ( $435.195) more as purchasing the panel for the pump is Ksh. 65,000 ($707.191) or more. I will use my acquired skills from school and put it into practise. I already have the electrical diagram, and the panel will take me only a single day to assemble after which the water pump will be working well. The pump will boost water supplies in the farm and more so for the banana suckers I plan to plant.
Ksh. 32,000 ($348.156) will be used to purchase banana suckers. I am diversifying more to banana farming since it has proved to be also a lucrative business which has ready market that is actually 10% satisfied, leaving the rest 90% open.
Ksh. 30,000 (326.599) will be used to purchase Twelve 90kg bags of dairy meal. These are the feed for the cows and they work well boosting milk levels, hence more production.
Ksh. 15,000 ($163.300) will be used to purchase watermelon seeds, since I have a new piece of land where I have decided to plant them.They fetch a very good market here, hence a good business.
Kindly fund my loan.
Thanks

Feedback

1

None

None



Loading...

Loan Info

Project Type

Classic Loan

Disbursed amount

$1,128.02

Date disbursed

Dec 5, 2014

Repayment status

On Time

Projected term

59 months

Cost to entrepreneur

Lender interest: $1,128.02 at 6.03% annual rate over 59 months = $331.32

Service fee: $1,128.02 at 5% annual rate over 59 months = $150.00

Lenders

M

mikedufty

Perth, Australia

Johnny

shanghai, China

KyRoamer

Louisville, Kentucky, United States

D

Divergent

Bethesda, United States

R

rpmccarthy

Sydney, Australia

ads68

Melbourne, Australia

R

ram1919

San Jose, United States

camilberlin

Berlin, Germany

Cricketca

San Jose, United States

H

Haavard

Bergen, Norway

C

Collective

Tulsa, United States

W

wiwillia

Milbrae, United States

Paul Buchheit

Mountain View, United States

K

Karpet

Faroe Islands

K

KiraDee

United States

himynameismartin

Czech Republic

SE

Sven E

Mannheim, Germany

A

AER

Germany

Family Mueller

Petershagen, Germany

T

Tom

Germany

S

Sharon

United States

Ask Paul a question about this loan project, share news and photos of your own, or send a simple note of thanks or inspiration.

Loading...

Loading...

Loading...