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Richard has been a farmer in Litein in South Rift Kenya for the last 30 years, employing 4 farmhands and producing tea and milk for the local market. He gets additional income from his building blocks sales.

Richard has requested for a loan of 62,400 KES from Juhudi Kilimo to help him purchase and insure a dairy cow. He says the income from dairy will help in educating his children, who are numbering 8 and all in school. He remains optimistic that his business will continue to grow.

Richard, however, mentions droughts and poor markets as the business challenges for the local farmers.

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
  • 729
    View loans »
    Kenya Loans Fundraising
  • $43,755,700
    Funds lent in using Kiva
  • 87.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Richard to pay for the purchase and insurance of a dairy cow.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 27, 2011
Jun 10, 2011
Currency Exchange Loss:
Feb 15, 2012