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Elijah is 43 years old and a married father of five children between the ages of 2½ and 14, four of whom are attending school. Elijah, who has a mixed farm in the town of Litein in Rift Valley Kenya, has been farming for the last nine years and employs two farmhands. His main products are milk, cabbage, beans and tea, all of which he sells to the local market. He depends on the income from his farming to provide for the basic needs of his family.

Elijah has requested this loan from Juhudi Kilimo of 80,000 Kenyan Shillings to purchase a dairy cow. He says that the income from this loan will help improve the livelihood of his family, enable him to pay school fees for his children and provide for their basic needs. In five years' time, he hopes to expand his dairy farming by increasing his number of dairy cows, buying a piece of land upon which he will plant nappier grass, and purchasing other required farming machines.

His primary challenges are an inadequate market for milk, diseases, and insufficient dairy feeds.

Additional Information

Important Information

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.

About Kenya

  • $1,800
    Average annual income
  • 881
    View loans »
    Kenya Loans Fundraising
  • $43,068,825
    Funds lent in using Kiva
  • 81.1
    Kenya Shillings (KES) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,000 helped Elijah to purchase a dairy cow.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 10, 2010
Aug 26, 2010
Currency Exchange Loss:
Dec 15, 2011