Tabitha is 45 years old, is married, and has seven children aged between 3 and 24 years. Five of her children are currently in school.
Tabitha is a farmer from Western Kenya near Kitale town. She has been farming for twenty years and has one employee. Her main produce consists of vegetables, milk, avocados and maize which she sells to the local market. She also earns income from the cereals that she sells to the locals. Her biggest challenge in this business is the stiff competition in the market and poultry diseases.
Tabitha recently completed her fourth loan from Juhudi Kilimo. She has requested this new loan of KES 80,000 to expand her poultry project. The extra income from this loan will enable her to pay school fees for her children and also meet her family's other needs. She hopes to expand her business by operating a store that will be supplying eggs to other shops in the local area.
Tabitha is grateful to Juhudi for empowering her economically.
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.