Beatrice is a 44-year-old farmer in Litein county, Kenya, where she lives with her husband and four children, three of whom have started school. She has been farming for the past eighteen years, producing tea, milk, maize and vegetables, which she sells at the local market.
Beatrice is requesting a loan of 50,000 KES from Juhudi Kilimo to purchase materials for constructing a greenhouse. This will give her more produce that will generate more income to uplift her livelihood and to pay school fees for her children. Beatrice's major farming challenges include lack of readily available markets, high competition and lack of capital. Beatrice is thankful to Juhudi Kilimo for giving her the loan.
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.