Hellen has been operating her mixed farm for the last three years in the town of Kitale in Western Kenya. Her main products are maize, millet, beans, and milk, which she sells to schools in the area. She also earns income from her rental houses.
Hellen is 46 years old. She is married and has been blessed with 6 children aged 10 to 22. All the children attend school.
Hellen has requested this loan from Juhudi Kilimo of 60,000 Kenyan Shillings to expand her poultry project and build a dairy unit. She says that the extra income from this project will enable her to pay school fees for her children. In the future, she hopes to have a big poultry farm and be able to supply eggs and chickens to other farmers in her group.
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.