Martha Njoki Ndegwa and her husband create employment for at least ten people every given period. The seasoned farmers have tried their hands on the most profitable large scale farming ventures in their region and are eager to continue reaping more profits and diversify some more.
The mother of two children, one school going, says their family’s needs and child’s school fees all come from their agribusiness. Their comfort and happiness is dependent on the successful performance of their business. They are engaged in tea, vegetables, maize and small scale dairy farming.
In February 2017, during the maize planting season, Martha sought out Moto Hope Micro Lending to lend her money ($300) to fund the preparation of their farm land for planting, as well as buy quality seeds and fertilizer. These funds enabled them to do just that and have whatever they had saved up in the weeding and spraying of their maize crop. The season’s harvest after selling it to traders and the National cereals and Produce Board was enough to afford them one dairy cattle and also school fees for their school going child as well as reinvested back into the maize farm. They now had more income coming in from their dairy farm which added onto their family’s agribusiness income. Their tea farm also benefited indirectly from this success as they were able to add onto the numbers of their tea pickers and pay those who work in it their dues.
Seeing as the dairy farm was doing relatively well, they sought to expand it to optimize their resources (feeds, pesticides and land) that their single dairy cow could not exhaust. She received a $650 loan from Moto Hope Micro Lending, with which she bought a second dairy cow to expand her dairy farming. Her dairy farm of two Friesian cattle had proved to be a worthy venture for they were able to sell at least 30 litres of milk daily to middle men who collect the milk from their homestead and farm gate to sell at the cooling plant in Mwaita area, in the outskirts of Makutano, Kitale.
In December 2018 she borrowed $1000 from Moto Hope Micro Lending to buy the third dairy cattle as well as facilitate her new horticulture venture of growing vegetables for sale. The additional dairy cow has increased their milk stock thus raised the litres sold per day to at least 40litres and in this way earns them more money. Their vegetables mostly cabbages are doing very well in the market as the whole four months of 2019 have had no rains and green leafy vegetables are hard to come by and the scarcity in supply has led the prices to shoot up due to the high demand.
Profits from their dairy venture go to their maize farming and those from the maize cater for all their agribusiness expenses, while the tea farm provides for their savings and other investments. The horticulture farming is keeping their child in school and providing for their family’s needs. The maize planting season is fast approaching and she has all hopes for success and envisions growth and scaling upwards in all their agribusiness ventures. Through Martha, Moto Hope Micro Lending is making its contribution towards the country’s bread basket.