Zipporah lives in the Eldoret area of Kenya, which is home to the main campus of Moi University. She has three children. Her primary income sources are crops, transportation services, and employment income. She has been doing this work for four years.
She stated what is most enjoyable about farming, "Earning from agriculture!" She states her biggest challenge is "Lack of funding to boost production." The animals on the farm have been given the names of 'Chepkenyuk.'
Zipporah was asked why she chose Juhudi Kilimo for this loan, to which she replied "Learned about Juhudi from the spouse". This client was also asked what was learned during Juhudi's required micro-finance training session, "How to get finance to practice agri-business".
Her highest monthly expense is farming costs. When asked 'How will this loan benefit your family?', Zipporah replied "Increased income to help with family needs".
As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Zipporah owns the following: 'cow, poultry, motorcycle' but does not own 'pig, pump, bicycle, automobile'. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household 'mosquito net' but does not have 'electricity, solar power, running water, sewing machine, TV, DVD'.
Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and send the data to a central online repository, thus reducing paper use, making the process more efficient and keeping costs down.
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.