Sabera is a farmer in the Nkubu area of Central Kenya and has been in active farming for fifteen years with milk, maize and beans for the local markets. She is married with three children aged between 19 and 10 years, all of whom go to school.
Sabera has requested a loan of 30,000 Kenyan Shillings (KES) from Juhudi Kilimo to construct a zero grazing unit. She says farming has been the main source of income to meet family needs and is optimistic she will grow the business and improve the quality of her dairy cows. She will use the income mostly to meet the educational needs of her children.
Sabera says climatic changes remain a major challenge.
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.