Christopher lives in the Nkubu area of Central Kenya and has been in farming for over thirty years. He currently runs his farm with the help of two farmhands. His farm produces fish, fruits and vegetables which are sold locally. He gets additional income from an employment pension.
Christopher has requested a loan of 63,000 KES from Juhudi Kilimo to buy and insure a dairy cow. He says he will use the income to educate his last born child and improve the family's living standards.
Christopher says a lack of farming knowledge is usually the main challenge and advocates for more training. He appreciate Juhudi Kilimo's loan services.
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.