Evans is 24 years old. He is married and has no children. He is a hardworking farmer from Nyamira town in Western Kenya.
Evans has been practising mixed farming for 5 years. His products are maize, beans and bananas which he sells to the local market. He also operates a shop in the same area.
His biggest challenges in farming are the limited market for his products, limited land for expansion and lack of farm implements and fertilizers.
He has requested this loan from Juhudi Kilimo for 45,000 Kenyan shillings (KES) to purchase and insure a dairy cow. This loan will enable him to purchase a quality dairy cow that will produce enough milk for sale. The extra income from this loan will help improve the family's living standards.
In the future, he plans to purchase additional land to expand his farming activities.
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.