Janepher is a farmer and an active member of the Mosebeti Group in Kisii town, Western Kenya. She has a mixed farm which produces bananas, sugarcane, tea, coffee and maize. She sells her products to the local market. Janepher is 47 years old. She is married and has been blessed with 6 children who are all adults.
Janepher has requested this loan of 45,000 KES from Juhudi Kilimo to purchase and insure a dairy cow. She hopes that her milk production will increase, as this would increase her income. Her biggest challenge is the unpredictable prices for her products. Janepher hopes to improve her farming activities in the future and apply for another loan after she completes this current one.
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.