Susan lives in the Kitale area of Kenya, which lies in the northern part of the Rift Valley. She has 7 children.
She stated what is most enjoyable about farming: 'Feeding cows and sheep and doing general farm work!' Her biggest challenge is 'Diseases'. Animals on the farm have been given the names of 'Chemwai and Kiyo'. She will use the loan to buy and insure a dairy cow.
Susan has been doing this work for 15 years. Her primary income sources are milk, eggs, crops, transportation services.
Susan was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Because i have seen Juhudi Kilimo improving the lives of people in my village by financing farmers'. This client was also asked what was learned during Juhudi's required micro-finance training session: 'I learnt about the kind of projects financed by micro-finance institutions'.
Her highest monthly expenses are farming costs. When asked 'How will this loan benefit your family?' Susan replied, 'I will sell milk and get money to feed my family and also educate my children'.
As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Susan owns the following: 'cow, poultry, bicycle' but does not own 'pig, pump, motorcycle, automobile'. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household 'mosquito net' but does not have 'electricity, solar power, running water, sewing machine, TV, DVD'.
Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and send the data to a central online repository, thus reducing paper use, making the process more efficient, and keeping costs down.
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.