James is 25 years old and is married with two children aged 2 months and 4 years. His eldest child is currently attending school.
James is a farmer in Kitale town in Western Kenya where he has been farming for three years. His major products are maize, milk and beans which he sells to the local market. He is also a motorbike mechanic (he is pictured on one of the motorbikes). His biggest challenges in farming are competition and, in the future, poultry diseases.
James has requested this loan Kes 20,000 from Juhudi Kilimo to start a poultry project. He feels that the extra income from this project will enable him take care of his family. In future, he intends to take another loan that will enable him to expand and acquire other essential assets related to poultry.
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.