Johnstone is aged forty-three and a farmer in Litein County in Kenya. He lives with his wife and four children, three of whom are schooling. He has been in farming for the past twenty years, producing tea and milk, which he sells to the people around his local area.
He is requesting a 65,000 KES loan from Juhudi Kilimo to purchase materials for constructing a dairy unit for his dairy cows. This will help in increasing his milk production; hence more income, better living standards, and the ability to pay school fees for his children. He aspires to acquire three more quality dairy cows in the near future.
Unreliable artificial insemination for dairy cows is his major problem.
He requests Juhudi Kilimo to give them more support in terms of dairy farming training.
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.