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Bernard is 28 years old and is married with two children, 1 year and 8 years old. His eldest child is currently in school.

Bernard is a dedicated farmer from Western Kenya near Kitale town. He has been farming for five years and produces maize, potatoes and tomatoes that he sells to the local market. He also earns income from a shop he operates in the same area. His main challenge in farming is fluctuation in the prices of his produce which at times leads to losses.

Bernard has requested this loan from Juhudi Kilimo for KES 31,200 to purchase and insure a dairy cow. He hopes, through this loan, his family will experience a comfortable life where he will be able to provide good education, food and clothing for his family.

In five years time, Bernard hopes to expand his farming activities by acquiring four more dairy cows and a pick-up for transporting his milk to his client.

Bernard says Juhudi Kilimo came as a blessing and his group members are able to acquire dairy cows which is very encouraging.

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
  • 712
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 78.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Bernard to purchase and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 5, 2010
May 16, 2010
Currency Exchange Loss:
Aug 16, 2012