Everylyne has a mixed farm which produces milk, vegetables and maize. She sells all her products to the local market. She has been farming for the last ten years in Kitale town, western Kenya. Her farm produces milk, vegetables and maize which she sells to the local market. She mainly depends on the income from her farming activities to cater for the basic needs of her family.
She has requested this loan of 31,200 KES through Juhudi Kilimo to purchase and maintain a dairy cow. The extra income from this loan will help her pay school fees for her children. Her biggest challenge is disease which affects her production. She wishes to have a chaff cutter for cutting straw or hay into small pieces and also to buy four dairy cows in the next five years.
Everylyne is 44 years old. She is married with 5 school-aged children.
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.