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James has been in farming for ten years in his rural home area in Kisii where he lives with his wife, with whom he had four children who are now all adults. His farming income is mainly generated by sales from maize, bean and banana production. He sells secondhand clothes for additional income

James has requested a loan of 41,600 KES from Juhudi Kilimo to buy and insure a dairy cow. He plans to reinvest his farming income, especially now that he does not have many dependents, to ensure that he secures a better future and old age for himself and his wife.

He says, however, that poor infrastructure has consistently been a major challenge, making supplies significantly costlier especially when they are made to far off markets which offer better prices.

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
  • 609
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • 83.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped James to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Aug 28, 2012
Currency Exchange Loss:
Aug 18, 2013