Juliana K. is 64 years old and married with eight children who are all adults.
Juliana is a dairy farmer from Litein town in Rift Valley, Kenya. She has been in the farming business for 20 years now and employs one farmhand. She sells her milk locally. She also earns income from her small-scale farming of tea, which she sells locally.
Lack of ready markets and diseases have been her major setbacks.
She has requested a loan of 70,000 KES through Juhudi Kilimo to purchase a dairy cow. The extra income from the sale of milk will help improve her family's livelihood and improve her farming activities as well.
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.