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Jackline lives in Nyamira town in western Kenya, where she has been farming for the last five years. She grows maize and beans, which she sells locally along with milk produced by a cow that she owns. She is 32 years old, married and has three children, two of whom attend school. She is applying for her first loan, for 30,000 Kes, to buy and insure a new dairy cow. The extra income she earns by selling this milk will allow her to improve her family's living standards. Her main problems are disease and low prices for farm products. In the future, she hopes to get help transporting her products to market.

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
  • 709
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 90.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Jackline to buy and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jun 10, 2011
Jun 27, 2011
Currency Exchange Loss:
Dec 15, 2012