Juliana is a teacher, a farmer, and a mother of five children who are between 20 and 27 years old, with the last one still undergoing college education.
Juliana has been in farming for 10 years and currently employs two farmhands. Her farm produces mainly maize that is sold to the local market and nappier grass that she sells to the local dairy farmers.
Juliana says she will use the loan to buy a dairy cow and boost her dairy farming business. The milk she adds will supplement her family's meals and ensure the education of her last-born child. She hopes to own five dairy cows in 5 years.
She laments unpredictable weather conditions, pests, and diseases.
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.