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Samuel, a 34-year-old married father of four children, three of whom are already in school, has been a farmer for four years in the Kitale area in Western Kenya. His farm produces milk, tomatoes, and sugarcane, all of which are sold to the local market. He relies fully on farming for his family's upkeep.

His first loan with Juhudi Kilimo promptly repaid, Samuel is requesting a new loan of 31,200 KES to purchase and insure a dairy cow. He says the milk produced will be consumed by the family as well as sold to provide for the other family basic needs including education for the children. He believes the loan will have a positive impact on the family.

Samuel says that the main challenge faced by dairy farmers is animal feed shortages during dry seasons.

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
  • 703
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 84.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Samuel to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 21, 2011
May 12, 2011
Currency Exchange Loss:
May 16, 2012