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Emma
Emma, a 35-year-old mother of two children aged four and one, has been farming for ten years and also runs a retail shop within the local market where she sells her produce of maize, beans, potatoes, bananas and milk.



Emma has made a first-time request for a loan of 60,000 KES from Juhudi Kilimo to buy piglets and a water tank. She says that an adequate water supply will enable her to cultivate a variety of products during both the rainy and dry seasons. She aspires to grow her retail shop into a wholesale business in the future.



Emma says a lack of capital and a poorly developed local market are among the leading challenges she faces in farming.

Additional Information

Important Information

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.

About Kenya

  • $1,800
    Average annual income
  • 766
    View loans »
    Kenya Loans Fundraising
  • $42,304,775
    Funds lent in using Kiva
  • 83.0
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Emma to buy piglets and a water tank.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Mar 30, 2012
Listed
May 3, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 18, 2013