Vivian is 36 years old and married with 4 children, aged between 2 to 17 years old. Three of the children are currently attending school.
She is a farmer from Litein in the Rift Valley, Kenya. Vivian has been farming for 12 years and has managed to employ 1 person from the community. She practices mixed farming and also sells milk and tea at the local market. Her biggest challenges are lack of enough feed for her dairy cows and insufficient market for her products.
She successfully completed a previous loan for KES.40,000 from Juhudi Kilimo and has requested a new loan for KES.70,000 to purchase a dairy cow. This loan will increase the family income through the sale of milk. With the extra dairy cow the family can access larger loans and sell the calves to raise more money for family use.
She says that as a group they are able to request more loans once they clear their current loans. Vivian is grateful to Juhudi for its constant help.
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.