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Phylis is aged thirty-eight and a farmer in Kitale county in Kenya where she lives with her husband and two children who are both schooling. She has been in farming for the past fifteen years, producing milk, horticultural products and poultry products which she sells at the local market in her area. She runs a green grocery shop as an additional source of income.

She is requesting a 41,600 KES loan from Juhudi Kilimo to buy and insure a dairy cow that will give her more milk and earn her extra income to uplift her living standards. She can use some of the money to educate her children. In the next five years, she aspires to buy a quality dairy cow that produces fifteen litres of milk per day.

Diseases, the high cost of feed, and inadequate capital are her major challenges in farming.

She is grateful to Juhudi kilimo for giving her 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
  • 621
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • 86.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Phylis to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 24, 2012
Jan 15, 2013
Currency Exchange Loss:
Dec 17, 2013