Michael is a dedicated member and chairman of Thoth Ber Self Help Group which is being funded by Juhudi Kilimo. He is a farmer from Kisii town, in Western Kenya. He has been farming for 38 years and produces kales (a type of cabbage), maize, groundnuts and beans, which he sells to schools and the local market.
Michael is 63 years old. He is married and has 6 children who are all adults. Apart from farming, he is also employed by Kenya Lake Field.
He has requested this loan, from Juhudi Kilimo, of KES 45,000 to purchase and insure a dairy cow. This loan will increase the family's income hence improve their lifestyle. He believes that with hard work and more financial help he will expand his business and increase his income.
He is grateful to Juhudi for the loan that he has been given.
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.