Pamela is a resident of Nkubu with 26 years of experience in mixed farming. She sells the major part of her produce, such as cabbages, tea, maize, and milk, within the local markets. She is a widow with 4 children; the youngest is the only one still in school.
Pamela has requested a loan of 60,000 KES from Juhudi Kilimo to help her set a zero-grazing unit (confined area for lifestock, to prevent disease) and buy a chaff cutter (a machine that cuts hay into smaller pieces to be mixed with feed and fed to lifestock).
She says her improved farming income will enable her to educate her youngest child. She remains optimistic that she will eventually buy a vehicle to ease transportation of her produce to the market.
Pamela says lack of proper development for the local markets is a major challenge, coupled with pests and diseases.
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.