John is a 35-year-old farmer in Kitale county, where he lives with his wife and four children, three of whom go to school. He has been in farming for the past five years, producing horticultural crops, milk, and poultry products which he sells locally. He runs a retail shop as an additional source of income. John is requesting 52,000 KES to buy and insure a dairy cow, which will increase his production and hence provide him with more income that will improve his livelihood and help him pay for his children's school fees. He plans to double his production in the next five years. Marketing, drought and the high cost of farm inputs are his greatest business challenges. He is grateful to Juhudi Kilimo for the support.
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.