Rodah is in the farming and motorcycle transport businesses with both proving income for her family upkeep. She has been in farming for five years and currently produces milk and pineapple for the local market. She is 38 years old with three children between 14 and 4 years old. All are already in school.
Rodah has requested a loan of 30,000 KES from Juhudi Kilimo to buy a dairy cow to expand her dairy capacity and thus, her income. She reckons the improved milk output will help meet her family's needs both for consumption and for resale to meet other basic needs.
She says Juhudi Kilimo loans have come as a rescue to farmers but indicates that lack of top up loans remains a challenge.
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.