Pamela lives in the Eldoret area of Kenya, which is home to the main campus of Moi University. She has four children.
She is a farmer and has been doing this work for 30 years. Her primary income sources are milk, crops and personal business.
She stated what is most enjoyable about farming: "Gardening!" Her biggest challenge is "finding market for farm produce in distant areas since the local markets provide poor prices." The animals in her farm are not named.
She will use the loan to construct a dairy unit (a housing unit with two sections with one part used for feeding the animals and the other part as a sleeping area) for her animals.
Pamela was asked why she chose Juhudi Kilimo for this loan, to which she replied: "Other farmers have succeeded through Juhudi Kilimo." This client was also asked what was learned during Juhudi's required microfinance training session: "How to do farming as business."
Her highest monthly expense is school fees. When asked how this loan will benefit her family, Pamela replied, "Assist in paying fees."
As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Pamela owns the following: cow, bicycle, automobile, but does not own pig, poultry, pump, motorcycle. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household mosquito net, TV but does not have electricity, solar power, running water, sewing machine, 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.