Lucia is 46 years old and a dairy farmer from Kitale town in western Kenya. She is married and has five school-age children who all attend school.
She has been in the farming business for eight years now and solely relies on the income from her farm to meet the needs of her family. She sells her milk to the local market. She faces the challenges of diseases and high cost of dairy feeds, which affect her production.
She has made a loan request of 52,000 KES (Kenyan shillings) through Juhudi Kilimo in order to purchase and insure a dairy cow. This loan will enable her acquire a quality dairy cow that will produce enough milk for domestic consumption and sale. The proceeds from the sale of milk will help her pay school fees for her children and improve the livelihood of her family.
She plans to increase her milk production by acquiring hybrid dairy cows and also by venturing into poultry farming in the near future.
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.