Johana is a dairy farmer from the town of Litein in Rift Valley, Kenya. He has been farming for ten years and has employed two people from his community. He sells his milk to Kenya Cooperative Creameries. He is also a cash crop farmer and sells his tea to the local market.
Johana is 41 years old. He is married and has four children who are all attending school.
Johana has a clean record with Juhudi Kilimo after he successfully completed his previous two loans of 45,000 KES and 60,000 KES. He has requested this loan of 80,000 KES to purchase a dairy cow. He says that the extra income from this loan will go towards the education of his children.
In the future, he would like to own at least three quality dairy cows. He is grateful to Juhudi for the support 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.