Jane is a farmer in Kitale town in western Kenya where she has been farming for twenty years. Her mixed farm produces milk, maize, beans and vegetables which she sells locally. She depends on the income from her farm to cater for the needs of her family. Her biggest challenges have been price fluctuation and diseases which affect her production.
Jane is 43 years old. She is married with six children who all attend school.
Jane successfully repaid her fifth loan from Juhudi Kilimo and has requested this loan of 71,200 KES to purchase and insure a dairy cow and expand her poultry project. The extra income from these projects will enable her see her children through school and also provide some little luxury. In future, she would like to venture into zero-grazing farming so that her animals can be well taken care of and increase production.
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.