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Esther is 29 years old. She is married with 2 children, ages, 3½ and 5 years old. Both children are currently attending school. She is a farmer from Murang'a town in Central Kenya. Esther has been farming for 3 years and has employed one person from her community. Her products are maize, beans and milk which she sells on the local market. She also earns income from her rental houses in the same area. Her biggest challenge in farming has been the unstable market prices for her milk.

Esther has requested this loan from Juhudi Kilimo for 52,400 KES to purchase and insure a dairy cow and buy a solar lamp. This loan will increase her source of income from the sale of milk and reduce the cost of fuel and save time spent on looking for firewood.

In 5 years' time, she hopes to be producing over 40 litres of milk, up from the current 15 litres and own at least 3 dairy cows, up from the current one.

She says that through Juhudi loans she has been able to realise her dreams.

Additional Information

More information about this loan

This loan is part of Juhudi Kilimo’s green loan program. As part of this initiative, Juhudi Kilimo is piloting new solar powered energy systems and improved cookstoves as in-kind loans to their current network of farmers. Both of these products will help borrowers to reduce their current energy costs (charcoal, wood, kerosene), limit their exposure to harmful emissions, and decrease the environmental impact of rural deforestation that occurs with traditional open-fire cooking methods. By funding this loan, you are helping a farmer in Kenya to access cleaner, cheaper, and greener energy for themselves and their families.

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
  • 859
    View loans »
    Kenya Loans Fundraising
  • $42,924,225
    Funds lent in using Kiva
  • 80.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Esther to purchase and insure a dairy cow and buy a solar lamp.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 18, 2010
Jun 24, 2010
Currency Exchange Loss:
Sep 15, 2011