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46-year-old Bernard M. is a farmer from the town of Murang'a in central Kenya. He has been in the farming business for 10 years and employs two farmhands. His farm produces coffee and horticultural products, which he sells through a local cooperative society. Farming is his main source of income.

He has requested this loan through Juhudi Kilimo of 53,000 KES to purchase and insure a dairy cow. He hopes that his income, through the sale of milk and this loan, will help improve the livelihood of his family. His primary challenges are lack of reliable vet doctors and artificial insemination services. He hopes that in the future, he will be able to produce over 50 liters of milk daily.

Bernard is married with three children who all attend school.

Additional Information

Important Information

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.

About Kenya

  • $1,800
    Average annual income
  • 737
    View loans »
    Kenya Loans Fundraising
  • $44,862,475
    Funds lent in using Kiva
  • 80.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Bernard to purchase and insure a dairy cow.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Dec 8, 2010
Jan 2, 2011
Currency Exchange Loss:
Sep 15, 2012