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Truphena lives in the Kisii area of Kenya, which is a primary banana and sugar cane-growing region. She has three children and has been doing farming for three years. Her primary income sources are milk, eggs and tea.

She stated what is most enjoyable about farming: “growing crops and rearing livestock." Her biggest challenges are diseases. Animals on the farm have been given the names of “Nyota”.

Truphena was asked why she chose Juhudi Kilimo for this loan, to which she replied, “Better services.” This client was also asked what was learned during Juhudi's required micro-finance training session, and she replied, “Better services.”

Her highest monthly expense is business-related. When asked, “How will this loan benefit your family?” Truphena replied, “Cater (to) family expenses.”

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Truphena owns a cow and poultry, but does not own a pig, pump, bicycle, motorcycle or automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household a mosquito net, but does not have electricity, solar power, running water, sewing machine, TV or 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
  • 1014
    View loans »
    Kenya Loans Fundraising
  • $43,148,500
    Funds lent in using Kiva
  • 84.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Truphena to purchase a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 10, 2013
May 31, 2013
Currency Exchange Loss:
Feb 17, 2014