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Annlyne lives in the Eldoret area of Kenya, which is extremely fertile for agriculture. She has four children and has been farming for 12 years. Her primary income sources are selling milk and eggs, growing crops, and transportation services.

Annlyne indicated that what is most enjoyable about farming is 'earning from the sale of milk!' Her biggest challenge is 'diseases in livestock.' One of the animals on the farm is named 'Lelmet'.She will use the loan amount specifically to buy and insure a dairy cow.

Annlyne was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'from a neighbour.' She was also asked about what she learned during Juhudi's required micro-finance training session: 'How to earn income from agriculture.'

Her highest monthly expense is school fees. When asked, 'How will this loan benefit your family?', Annlyne replied, 'increased income to the family.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Annlyne owns the following: 'cow, poultry, motorcycle' but does not own 'pig, pump, bicycle, automobile'. Juhudi Kilimo also tries to measure any change in living standards based on this loan. Annlyne has the following items in her household 'mosquito net, solar power, TV' but does not have 'electricity, running water, sewing machine, DVD player'.

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and to send the data to a central online repository, thus reducing paper use, making the process more efficient, and keeping costs down.

Additional Information

More information about this loan

This loan is part of Juhudi Kilimo’s green loan program. As part of this initiative, Juhudi Kilimo is piloting new solar powered energy systems and improved cookstoves as in-kind loans to their current network of farmers. Both of these products will help borrowers to reduce their current energy costs (charcoal, wood, kerosene), limit their exposure to harmful emissions, and decrease the environmental impact of rural deforestation that occurs with traditional open-fire cooking methods. By funding this loan, you are helping a farmer in Kenya to access cleaner, cheaper, and greener energy for themselves and their families.

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
  • 711
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 85.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Annlyne to buy and insure a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Nov 24, 2012
Currency Exchange Loss:
Jul 17, 2014