Sarafin is 38 years old and a farmer in Nkubu County in Kenya. He lives with his wife and one child, who is three and is schooling,
Sarafin has been in farming for three years, producing milk and tea. He sells the tea to the Imenti factory and milk to the people around his local area. Poor markets for his products, pests, and diseases are his main challenges.
He is requesting a KES 30,000 loan from Juhudi Kilimo to purchase a water tank and pipes for irrigation to help him improve his production. More income will help him better his standards of living and educate his child. He also aspires to buy his own car in future.
Sarafin says Juhudi Kilimo has very effective staff members.
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.