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Ruth is a 49-year-old farmer in Kisii county, in Kenya, where she lives with her husband and two children, both of whom are schooling. She has been in farming for the past six years, producing bananas, potatoes, maize, milk, and beans, which she sells at the local market in her area.

Ruth is requesting a KES 62,400 loan from Juhudi Kilimo to buy and insure a dairy cow which will produce more milk and generate more income that she will use to boost her livelihood and pay for her children's schooling. She aspires to have four dairy cows in the next five years.

Pests, diseases, and poor road networks are her major challenges in farming. Ruth is grateful to Juhudi Kilimo for funding the loan.

Additional Information

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
  • 854
    View loans »
    Kenya Loans Fundraising
  • $43,028,475
    Funds lent in using Kiva
  • 86.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ruth to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 11, 2012
Jan 10, 2013
Currency Exchange Loss:
Jun 17, 2014