Hendriah is a mother of one. She has been in farming for six years. Her farm produces and sells milk, vegetables, eggs and tomatoes on the local market within her home area of Kitale. She is aged twenty-five and has previously had two loans of 31,200 KES and 61,200 KES from Juhudi Kilimo which she used to buy and insure dairy cows.
Hendriah has requested a loan of 102,000 KES. She will use 52,000 KES to help buy and insure another dairy cow, 30,000 KES to build a dairy unit, and will boost her poultry farming by buying 20,000 KES of poultry birds.
She aspires to keep on improving the number of her dairy cows and also to buy a motorcycle to help delivering her produce to the market as well as tp earn more from transport services offered to other farmers.
She reiterates that diseases remain a challenge to farming.
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.