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Josephine is a mother of one child who is of school-going age. She resides in Nkubu, Meru region of Eastern Kenya. She has been a farmer for 15 years producing and selling cereals. Besides farming she has a retail business as an extra source of income.

She has approached Juhudi Kilimo for a loan of KES.30,000 to help in the construction of a water tank.This will help in proper storage of water for her farming activities.The challenges she faces are crop pests and diseases, and insufficient water. In the next five years, she wants to have a large cereals store.

This loan will improve her family's living standards. Josephine chose Juhudi Kilimo for its faster processing of loans.

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
  • 600
    View loans »
    Kenya Loans Fundraising
  • $44,761,675
    Funds lent in using Kiva
  • 83.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Josephine to purchase a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 22, 2013
Currency Exchange Loss:
Oct 17, 2014