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Joyce is a 29-year-old farmer in the Litein County area of Kenya, where she lives with her husband and three children. Only two of them are schooling.

She has been in farming for eight years, producing potatoes, beans, milk and tea, which she sells to the people around her locality. She also does tailoring as an additional source of income.

She is requesting a 65,000 KES loan from Juhudi Kilimo to purchase materials for constructing a zero grazing unit (an enclosure in which the cows are fed). That will help her increase her milk production and her family's livelihood, and also pay school fees for her children.

She aspires to have three other quality dairy cows producing fifteen litres of milk each in the next five years.

Pests and diseases are her major challenges in farming.

Joyce is very grateful to Juhudi Kilimo for the support through giving out loans.

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
  • 733
    View loans »
    Kenya Loans Fundraising
  • $43,743,075
    Funds lent in using Kiva
  • 85.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Joyce to purchase materials for constructing a zero grazing unit.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Nov 5, 2012
Currency Exchange Loss:
May 17, 2014