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Jenifer is a 73-year-old widow with six children. They range in age from 22 to 40 years old, with her two youngest children currently attending college. She operates a mixed farm in western Kenya, near the town of Kitale, and has been farming for over twenty years. While she used to focus more on fruit and vegetable production, her primary income now comes from the sale of milk, which she does personally at the local markets. She says that the main challenge currently is finding a good, reliable market for her product where she can maintain profitability.

Jenifer requested this loan through Juhudi Kilimo for Kes. 71,400 to purchase and insure a dairy cow. She will also use a portion of the money to improve the sleeping shed she built for her current livestock.

Jenifer says that with this loan she will have sufficient milk to become a supplier to the KCC - the Kenya Cooperative of Creameries. This will result in a more stable income which she will use to pay for her children's college fees and their basic needs.

Looking to the future, Jenifer hopes to build a modern grazing unit to ensure her animals are well taken care of. She feels this will help get maximum benefit out of her income-producing assets.

Additional Information

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic book keeping and local market research.

About Kenya

  • $1,800
    Average annual income
  • 789
    View loans »
    Kenya Loans Fundraising
  • $43,847,375
    Funds lent in using Kiva
  • 76.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Jenifer to purchase and insure a dairy cow.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 24, 2010
Feb 23, 2010
Currency Exchange Loss:
Mar 16, 2012