Christine is a farmer in Kitale. She is married with 7 children - the youngest five children are still in school. She is 50 years old and produces maize and milk for the local market. She fully relies on her farming income for the daily upkeep of her family.
Christine has requested a loan of 41,200 KES from Juhudi Kilimo to buy and insure a dairy cow at 31,200 KES and construct a dairy unit at 10,000 KES. She says her improved milk production will go into meeting the family's daily needs.
She laments serious food shortage for dairy cows at times. She appreciates Juhudi Kilimo's loan services.
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.