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Joseph is a forty-year-old farmer in Kitale county in Kenya where he lives with his wife and three children who are all schooling. He has been farming for the past twenty years, producing milk, maize and vegetables which he sells at the local market in his area. He runs a mini-retail shop as an additional source of income.

He is requesting a 31,200 KES loan from Juhudi kilimo to buy and insure a dairy cow, which will provide him with more milk products and earn him extra income that will help him boost his living standards and pay for his children’s education. He hopes to have five good quality dairy cows in the next five years to enable him to sell his milk wholesale.

Lack of readily available markets, diseases and poor roads are his major challenges in farming.

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
  • 717
    View loans »
    Kenya Loans Fundraising
  • $44,827,200
    Funds lent in using Kiva
  • 87.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Joseph to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Feb 11, 2013
Currency Exchange Loss:
Jul 17, 2014