Ronald has been practicing mixed farming for the last 24 years in Kitale town, western Kenya. His mixed farm produces milk, maize and beans, which he sells locally. He also earns income from providing carpentry services to the locals. He says that his biggest challenge has been mostly the government's restriction on cutting down trees, which makes it difficult for him to manage his trade.
He has requested this loan of 60,000 Kenyan shillings (KES) through Juhudi Kilimo to purchase a power saw. He says that the income from this loan will enable him to see his children through school. In the future, he would like to concentrate more on dairy farming to supplement his other sources of income.
Ronald (pictured with his dairy cow) is 46 years old. He is a single father of four school-aged children who all attend school. He says that he is looking forward to being financed by Juhudi for many years to come.
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.