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Ann is 48 years old. She is a farmer in Nkubu County in Kenya where she lives with her husband and four children, only one of whom still attends school. She has been farming for the past 20 years and produces cereals, fruits, vegetables and milk, which she sells to the people who live in and around her local area. The high cost of feed, competition and poor market are the major challenges she faces.

She is requesting a loan of 60,000 KES from Juhudi Kilimo in order to buy goats for her dairy. This will help her increase the income she earns from selling milk which will help her pay school fees and improve her standard of living. She aspires to be the leading supplier of her products in her area.

Ann says Juhudi Kilimo is the best microfinance institution for small-scale farmers.

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
  • 792
    View loans »
    Kenya Loans Fundraising
  • $43,847,350
    Funds lent in using Kiva
  • 85.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ann to purchase goats for her dairy.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Nov 7, 2012
Currency Exchange Loss:
May 17, 2014