Robina has a mixed farm on the outskirts of Kisii town in western Kenya. She has been in the farming business for fifteen years now. Her mixed farm produces sugarcane, maize, beans and milk which are all sold locally. She also owns a retail textile business in the same location. She is pictured here outside her retail shop.
Robina is 34 years old. She is married and has six children who are between the ages of 10 and 22. Three of the children are currently attending school.
She has requested this loan of 50,000 KES through Juhudi Kilimo to start a cereals business. She says that this venture will help her realize more income which will help her pay school fees for her children and improve the livelihood of her family.
She says that her biggest challenge in farming has been unpredictable weather conditions like drought and hailstones which affect her crop production and income. In the future, she would like to acquire more loans that will help her expand her farming and textile businesses.
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.