Janepher has been mixed farming and employing two farmhands in her hometown of Kitale in Western Kenya for over ten years.She is married with six children aged between twenty four and nine years. Her produce of milk, vegetables and tomatoes are sold locally.
She has requested for this loan of 48,000 KES from Juhudi Kilimo to purchase and maintain a dairy cow .She had once requested a first time loan of 30,000 KES. She says the milk produce will act as food supplement for the family and also pay for the children's school fees. She is optimistic that she will soon have a mini-chilling plant to store the milk and avoid wastage.
She says diseases are a major problem and eats into her income since the animals must be treated.She recommends Juhudi loans because of their flexibility.
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.