Zipporah is 37 years old and married with two children, 15 and 17. Both children attend school.
Zipporah is a hard-working farmer from Eastern Kenya near Nkubu town. She has been practising mixed farming for 19 years and her main products are milk, potatoes, tomatoes, carrots, and cabbages that she sells in the local market. She also raises poultry. Her biggest challenge is pests and diseases that affect her produce, resulting in poor prices.
Zipporah recently completed her previous loan from Juhudi Kilimo for KES.45,000 and has requested this new loan for KES.70,000 to purchase a dairy cow. The extra income from this loan will help educate her children and improve her family's standard of living. In the future, she hopes to acquire three more dairy cows producing at least 30 litres of milk daily, and increase her chicken stock to 200.
She is grateful of Juhudi because it is helping her acquire a dairy cow which will positively change her life.
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.