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Clevers A. is 48 years old and married with eight children; six attend school. He is a farmer from the town of Kitale in western Kenya where he has been farming for 25 years. His mixed farm produces milk, maize and beans that are all sold locally. He mainly depends on the income from his farm to cater to the basic needs of his family. His biggest challenges have been the fluctuation in the market price of milk and the high cost of dairy cow feed particularly during the dry season.

Clevers has requested a loan of 62,400 KES through Kiva’s partner Juhudi Kilimo to purchase and insure a dairy cow. The extra income from this loan will enable him to pay school fees for his children. He would like to build a zero grazing unit [cows are kept confined to stalls to more easily maintain their health, etc. while allowing surrounding land to restore itself] so that he could manage his animals better and also improve his productivity in the future.

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
  • 741
    View loans »
    Kenya Loans Fundraising
  • $43,812,675
    Funds lent in using Kiva
  • 80.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Clevers to purchase and insure a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 10, 2011
Feb 1, 2011
Currency Exchange Loss:
Aug 16, 2012