Judith is 34 years old, married and has three children who all attend school. She is a small-scale farmer from Kitale town in western Kenya where she has been farming for 10 years now. Her mixed farm produces maize, milk, vegetables and beans which are all sold locally. She is also a teacher at a local school in the same town. Judith, pictured at her sukuma wiki (vegetable) farm, has always been passionate about farming and has no regrets at all in investing in this type of business.
She has made her first loan request of 41,600 KES (Kenyan shillings) through Juhudi Kilimo to buy and insure a dairy cow. This loan will enable her to acquire a quality dairy cow that will produce enough milk for domestic consumption and sale. The proceeds from the sale of milk will help improve the livelihood of her family. She is planning to expand her dairy farm by acquiring at least six quality dairy cows able to produce at least 20 litres of milk daily. Her primary challenge has been poor market prices for her farm produce.
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.