Most farmers will buy Buffalo Bicycles through microfinance loans from local lending institutions. The bikes help them increase their efficiency in transporting goods to the markets and thus, increase their average income. Though they may not have the money for the purchase right away, the average farmer will make a down payment of $25 to $50. This minimizes the interest cost of the loan and reduces risk to the lending microfinance institution. Farmers are then able to pay back the loan from increased profits earned and the added productivity of owning a Buffalo Bicycle.
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