Joseph is 42 years old. He is a married father of three children between the ages of 6 and 15 years old. All the children are currently attending school.
He is a dedicated farmer from Nyamira town in Western Kenya. He has been practicing mixed farming for 25 years and has employed two people on a temporary basis. His products are sorghum, beans, maize and milk, which he sells to the local market. He also earns income from the sale of tea.
His biggest challenge in farming is the high cost of animal feed due to limited land to plant the animal feed.
He recently completed his previous loan from Juhudi Kilimo for Kes. 45,000 and is requesting this loan for Kes. 60,000 to purchase a dairy cow. The proceeds from this loan will be used to pay school fees and improve the living standards of the family.
In the future, he would like to buy more cows and land to expand his farming activities in order to increase his income.
He is grateful to Juhudi because it has improved his living standards. He says that the interest rate is affordable and promises to continue being a member.
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.