Benson N. is a mixed farmer from Kisii town in western Kenya. He is 41 years old and married with 5 children between the ages of 10 and 22. All the children are currently attending school.
Benson has been farming for 20 years, producing beans, maize, millet and milk which he sells to the local market. He also earns income from his tailoring shop in Kisii town. His major challenge in farming has been insufficient water for his dairy cows, lack of timely veterinary services and natural calamities like long dry seasons which makes it difficult to get animal feeds.
He recently completed his previous loan from Juhudi Kilimo for 30,000KES and has requested this loan of 50,000KES to purchase and insure a dairy cow. Through this loan, he will be able to provide enough milk for the family and use the extra income to educate his children.
He hopes to acquire atleast 3 quality dairy cows in the next 5 years.
He regrets for not taking advantage of the projects with Juhudi Kilimo earlier.
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.