Agnes is the mother of ten children between the ages of 30 and 6 years old. She has been actively farming in her home area of Litein for the last 28 years and currently employs one farmhand. Her farm produces milk which she supplies to the local Kokiche Cooling Plant and tea which goes to the local market.
Agnes has made a loan request for 62,400 Kenyan shillings from Juhudi Kilimo to purchase and insure a dairy cow.She says the proceeds will boost her family's food security and make her farming more beneficial. She plans to construct a modern dairy unit. She notes lack of knowledge as her challenge and is happy that Juhudi Kilimo is currently carrying out training.
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.