Miriam is a mother of 2 children, one being an adult and the other a junior still in schooling. She is aged 51 and manages her farm with the help of one farmhand. Her farm produce of milk, maize, beans and vegetables are all sold within the local market. She lives with her family in their rural home in Kitale.
Miriam has made a loan request of 41,600 KES from Juhudi Kilimo to buy another dairy cow and give a boost to her dairy business. She says the dairy business will improve her farming income and make meeting the family's basic needs more bearable. In addition it will provide milk for the family’s own consumption. She aspires to rank among major dairy suppliers for the local market in the future.
Animal diseases remain the major challenge, in her opinion.
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.