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Penina is a 48-year-old farmer in Nkubu county in Kenya, where she lives with her husband and four children. None of her children are still in school since they are all adults. She has been farming for the past 10 years, producing milk, tea and cereals that she sells at a nearby market in her area.

She is requesting a loan of 52,500 KES from Juhudi Kilimo to buy and insure a dairy cow, which will help her increase her income and boost her living standards. She hopes to expand her dairy farming business in the next five years.

Pests and disease are her 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
  • 614
    View loans »
    Kenya Loans Fundraising
  • $44,775,100
    Funds lent in using Kiva
  • 87.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Penina to buy and insure a dairy cow.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 16, 2013
Currency Exchange Loss:
Mar 18, 2014