Tomato farming

Joshuoa Otieno

Doho Beach , Kagak Village, Kenya

6% repaid



Joshuoa Otieno

Member since

July 2016

On-time repayments

114 installments  •  66%

About Me

I was born in our home village, " kagak". I was raised there for a while by my parents. They died when I was seven years old. Am the third born among six kids. I moved to live with my uncle for the rest of those years. I started my education in our village primary school. In 2009 I did my kcpe and passed to high school which I continued to work smart. I also passed but didnt get direct entry to the university . still have an ambition of continuing with education.. Since hardship is part of life while Persuing a goal, I just work smart and hard to achieve them.. I started farming from advice's that I was getting from friends and because it was the best opportunity for me. Most of the youth see farming as a job of old people coz it dirtify people. Am not married and I don't have a child.. I like playing football since I have talent in it. I help those who are needy to achieve in my capacity.

My Business

I grow vegetables, watermelon, onions and tomatoes which I sell to our local market. Most people depend on these for food. I saw this as the best opportunity for me. I get funds from the stuffs I grow and this is what I use to pay for the expenses. I use the profit made to improve my farming and to support those I can help grow in life. I intend to grow these crops on a large scale. Am also striving to have much that can help me grow other crops.

Loan Proposal

Am a small scale farmer who does farming as a business. I produce tomatoes, watermelon, vegetables, butternuts and even onions. But this time, I would like to grow tomatoes on large scale so that I may improve on profit earned from farming. If given a loan, I would rent a land at 80 us dollars, plough it twice at 70 us dollars. Tomatoes seeds will cost me 150 us dollars. Agro chemicals will be bought at 90 us dollars. Since we depend on irrigation, watering will cost 120 us dollars. Stakes that will give tomatoes support will cost 80 us dollars as the rest of the funds will be used for other farm maintenance. I would like to improve on my scale of farming if given a chance and help those who are needy in our area and the community at large. I expect a profit of 80 percent. I would like to thank the zidisha team for the support they have provided to me and I promise to pay back this loan. Thanks.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Mar 21, 2018

Repayment status


Projected term

10 months

Cost to entrepreneur

Service fee: $36.06



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  • Joost    Aug 26, 2018

    Dear Joshua,

    How is your business going today. Is it already back on track? I really hope so.

    Best wishes,

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  • Samson Maisy    Aug 7, 2018

    I have communicated to joshuoa and he explained to me that is business was going through tough moments and experiencing low income,i advised him to make payment then adjust the loan to an amount that his comfortable to pay.he promised me to make payments today.

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  • Joshuoa Otieno    Jun 26, 2018

    Am getting low returns

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  • Joshuoa Otieno    Jun 4, 2018

    Am experiencing low income that can't sustain my repayments.

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  • Kennedy Abila    May 30, 2018

    Dear lenders, I had a positive discussion with Joshua regarding his loan repayment. We agreed that he adjust his payment to amount he can manage and pay immediately. In a weeks' time he will begging harvesting his tomatoes and his repayment will be in order. Joshua had problem brought about by prolonged rainfall that was never anticipated.

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  • Joost    May 18, 2018

    Please make a payment on your Zidisha loan. Lenders loaned to you with good faith that they would be paid back in a timely manner. Zidisha is a powerful tool when used correctly to grow a business. Do not throw away an opportunity to prosper in the future!

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  • Joshuoa Otieno    Apr 3, 2018

    Am experiencing low returns so am not able to pay the full amount.

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  • Joshuoa Otieno    Mar 24, 2018

    I received 82507 KES. I'll buy tomatoes seeds and some agro chemicals. I dearly thank zidisha lenders for the loan and I promise to pay back.

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  • Joshuoa Otieno    Mar 16, 2018

    Am grateful again to be conversing to zidisha organization and my lenders. Am going to buy tomatoes seeds, some agro chemicals and ferterlizers for my farm. This will help improve my level of farming and production and help me achieve in the future. I dearly thank my lenders for the loan that I have received from them and I promise to pay back to the lenders.

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  • Richard    Mar 14, 2018

    Good luck!

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  • Monika    Mar 7, 2018

    Wish you all the best. Hope your business will be become very successful.

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  • Cordula    Mar 6, 2018

    Wishing you a very good harvest!

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  • Joggele    Mar 5, 2018

    Dear Joshua, do you plan to grow organic without pesticides in the future. This would be great and I would support you organic afforts in the future with pleasure!
    All the best

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    • Joshuoa Otieno    Mar 6, 2018

      Yes, Joggele. If I get opportunity like that then I'll appreciate. Thanks for your concern.

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  • Victor Zuanazzi    Jan 26, 2018

    Good luck with your farm, I hope you profit all the 80% you are aiming at! It would be really great!
    Do you know of farmers around you that do not use chemicals?

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    • Joshuoa Otieno    Jan 31, 2018

      Thanks.. No. Agro -chemicals are used by all farmers because of the pests and diseases that damages it's growth.

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      • Victor Zuanazzi    Jan 31, 2018


        pests and diseases are indeed a big problem when you grow only one sort of crop. I know a few farmers in brazil that do not use chemicals, they also have problems with pests and diseases, but they use other methods to prevent it. One producer keeps certain plants among his rice, those plants keep mosts pests alway.

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        • Joshuoa Otieno    Feb 1, 2018

          That may be good but here farmers only use Agro chemicals.. It seems there is still a problem with the technology

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        • John Thiaro    Mar 9, 2018

          Hi Victor,

          Would you please check and find out for me the type of plants one can inter-plant to keep pests away. I would appreciate to have this knowledge.

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  • Joshuoa Otieno    Jan 21, 2018

    I purchased tomatoes seeds and their chemicals. I also used some amount of fund to maintain it through until it's harvest. The purchase increased my level of production and as well as my level of earnings. My earnings has increased by 70 percent. I have used the increase to construct poultry farm. We've achieved to pay for school fees for my younger brothers and sisters. We live happily with our neighbours

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  • Joshuoa Otieno    Jan 20, 2018

    I purchased tomatoes seeds and it's chemicals. This purchase increased my level of earnings and getting what I was unable to buy. Have used the increased earnings to construct poultry farm. My earning increased by 70 percent

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  • Joshuoa Otieno    Jan 14, 2018

    Am getting higher returns thus am able to pay more.

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  • Joshuoa Otieno    Dec 30, 2017

    am getting higher returns.

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  • Joshuoa Otieno    Dec 14, 2017

    ok, am progressing well will my projects. I really thank lenders for what they did to me

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  • Joshuoa Otieno    Dec 4, 2017

    Due to low returns

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