Elizabeth is 50 years old and is the single mother of six children aged between 16 and 32 years. Two of her children are attending school.
Elizabeth is a farmer from Western Kenya near Kitale town. She has been farming for twenty years, producing vegetables, tomatoes, milk and eggs which she sells to the local market. She relies solely on her income from farming to cater for her family's needs.
Elizabeth is one of the many active clients of Juhudi Kilimo and recently completed her fourth loan. She has requested this new loan of KES 50,000 to expand her poultry project and construct a dairy unit. The extra income from this loan will enable her to sustain her family's basic needs.
Elizabeth’s main challenge is the fluctuation in market prices and changes in climatic conditions that greatly affect her produce. In five years' time, she hopes to have expanded her poultry project and be producing more eggs. She also intends to acquire another dairy cow.
Elizabeth is grateful to Juhudi for empowering women financially.
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.