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David
David lives in the Eldoret area of Kenya, which is training grounds for many of Kenya's Olympic runners. He has six children and has been doing this work (farming) for eight years. His primary income sources are milk, eggs, and crops.

He stated what is most enjoyable about farming: "dairy farming!" His biggest challenge is: "drought." Animals on the farm have not been named.

David was asked why he chose Juhudi Kilimo for this loan, to which he replied: "saw my neighbors succeed with Juhudi." This client was also asked what was learned during Juhudi's required micro-finance training session: "the importance of farming as a business."

His highest monthly expense is school fees. When asked, "how will this loan benefit your family?," David replied, "better quality of life."

As part of Juhudi Kilimo's loan appraisal process, each borrower's assets are evaluated. David owns the following: 'cow, poultry,' but does not own: 'pig, pump, bicycle, motorcycle, automobile'.

Juhudi Kilimo also tries to measure any change in living standards, based on this loan. This borrower has in the household: 'mosquito net, running water,' but does not have: 'electricity, solar power, 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."

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
  • 880
    View loans »
    Kenya Loans Fundraising
  • $43,075,425
    Funds lent in using Kiva
  • 83.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped David to purchase a chaff cutter.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 24, 2013
Listed
May 6, 2013
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2014