John is aged 28 and a farmer in Ndaragwa County in Kenya, where he lives with his wife and two children (only one has started schooling). He has been in farming for the past eight years, producing vegetables and milk that he sells at the local market in his area.
He is requesting a 30,000 KES loan from Juhudi Kilimo, which he will use to purchase a water pump for irrigation. This will help him water his crops, which will provide him with more yields and thus more income to help uplift his living standards. He will also use some of the money to pay for his children's schooling. He hopes to have improved in farming by producing in a large scale in the next five years.
Drought is his major challenge in farming.
John believes that they are privileged to have Juhudi Kilimo working with them.
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.