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Joel is 32 years old and is married with three children between the ages of 1 and 5 years. His eldest child is attending school.

Joel is a farmer from Litein town in Rift Valley, Kenya. He has been farming for five years with only one employee. His products are tea and milk which he sells locally. His biggest challenges have been lack of a market for his milk and lack of enough feeds for his dairy cows.

Joel has requested this Kes 50,000 loan from Juhudi Kilimo to purchase and insure a dairy cow. This loan will enable him acquire a quality dairy cow that will produce enough milk for domestic consumption and sale. The extra income from this loan will assist him in educating and providing food for his children. In future, he would like to acquire a dairy cow that produces at least fifteen liters of milk daily.

Joel is requesting Juhudi to assist him in acquiring quality dairy cows.

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
  • 717
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 80.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Joel to purchase and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jun 4, 2010
Jun 13, 2010
Currency Exchange Loss:
Oct 15, 2011