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Joyce is aged 34 years and a farmer in Kitale county, Kenya. She lives with her husband and five children; two of the children are still schooling. Joyce has been in farming for over ten years, producing eggs, bananas, sugarcane and milk, which she sells at the nearby market in her area.

She is requesting a 41,600 KES loan from Juhudi Kilimo to buy and insure a dairy cow. The cow will provide her with more milk for sale and earn her extra income, which will help her to improve her living standard and to pay for her children's schooling in the future. Joyce aspires to have bought a pick-up for transporting her produce, in the next five years.

Competition, pests and diseases are her major challenges in farming. She is very thankful to Juhudi Kilimo for offering the loan to her.

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
  • 713
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 87.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Joyce to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 12, 2013
Feb 9, 2013
Currency Exchange Loss:
Feb 17, 2014