Ruth has been in farming for 21 years in the Kitale area of Western Kenya. She is married, with three children between 21 and 16 years. She has one farmhand, and her farm produces fresh eggs and poultry.
Ruth has made a second loan request of 40,000 KES to purchase more poultry. She says the proceeds will go a long way in improving her family living standards and enable her to purchase more land for farming.
Ruth says constant price fluctuations and animal diseases are the greatest challenges in the business.
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.