Yuldah is a mother of 10 children with the first seven already adults and the last three still juniors and still schooling. She has been active in farming for eight successive years and currently sells her produce of maize and vegetables to the local market to meet her family's basic needs.
Yuldah has requested a loan of 31,200 KES from Juhudi Kilimo to buy and insure a dairy cow. She wants to venture into dairy farming in order to get milk to supplement her family meals as well as to generate income to ensure the education of her last-born children who still live with her.
She is keen on repaying the loan on time and reiterates Juhudi Kilimo loans have been of great help to many smallholder farmers.
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.