Justus is a farmer in Nkubu area of Central Kenya. He is aged 59 and married with three adult children. He runs a retail shop in the local market and operates as a broker of coffee. That means he sources coffee from small scale produces and sells to processing factories. His farm produces mainly coffee and bananas.
Justus has requested a third loan of 60,000 KES from Juhudi Kilimo in order to buy poultry birds.
(He is pictured with a bicycle in the backround which should not be confused for a transport business).
He wants to expand coffee and banana plantations and hopes to improve the family living standards and venture into dairy farming in the future.
He laments the shortage of rains and high costs of inputs like fertilizers. He compliments Kiva partner Juhudi Kilimo for improvement of service delivery.
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.