Ciciliah has a mixed farm in Kisii town, Western Kenya, which produces maize, beans, millet, vegetables, bananas, coffee, tea leaves, and milk. She sells her products to Kenya Tea Development Authority, the Coffee board of Kenya, and at the local market. She also runs a kiosk as her other source of income.
Ciciliah is 40 years old, married and a mother of five children who are all adults. Three of the children attend school.
Ciciliah recently completed her previous loan from Juhudi Kilimo and has requested this loan of 70,000 Kenyan Shillings to expand her poultry farming and lease more land for vegetable farming. She hopes her business will do well and that she will be able to educate her children through college level and provide for their basic needs with the extra income from this loan.
In five years' time, she plans to expand her farming business and venture into new markets and start a second-hand clothes business. She however faces the challenges of transportation and fluctuating weather patterns that affect her production. She appreciates and appeals to Juhudi to consider giving them the interest on savings instead of adding to shares.
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.