Joseph is 34 years old. He is married with 3 children aged 7 to 6 months. Two of the children attend school.
He has been farming for three years and has employed 2 casual labourers. His main products are eggs, which he sells to the local market. He also operates a motorbike and a kiosk which help supplement his income.
Joseph recently completed his second loan from Juhudi Kilimo and has requested this loan of 51,200 KES to purchase and insure a dairy cow and upgrade his poultry project. He says that this loan will assist him expand his farming, which will later improve his income and enable him pay school fees and provide food for his family.
In future, he would like to expand his farm to enable him do more dairy farming. He says diseases is a major problem that is costly to treat.
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.