Kerubo is 36 years old. She is a widowed mother of 4 children ages, 8, 12, 15, and 20. All the children are currently attending school. She is a farmer from Kisii town in Western Kenya. She has been farming for over 15 years and has employed two casual labourers. Her products are tea, cabbages, bananas, finger millet, and beans which she sells at the local market. She also earns income from her rental houses in the same area.
Kerubo's biggest challenge in farming is the poor transport network which makes it difficult to deliver products to the market and lack of enough skills in dairy farming.
Kerubo recently completed a previous loan from Juhudi Kilimo of 30,000 KES and has requested this loan of 45,000KES to purchase a water tank to harvest rain water for her dairy animals. This water tank will enable them to save a lot of time spent on fetching water from the river.
In future, she would like to own at least 3 quality dairy cows. She is grateful to Juhudi for the financial support.
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.