James lives in the Kisii area of Kenya. He has three children. He is a farmer, which he has been doing for five years. His primary income sources are milk, eggs, tea, crops, and personal business.
James is requesting a loan from Juhudi Kilimo, which he will use to buy a dairy cow. His biggest challenges are the lack of market and poor roads. This loan will improve his family's living standards.
As part of Juhud Kilimo's loan appraisal process, each borrower's assets are evaluated. James owns the following: cow, poultry, motorcycle. He does not own pig, pump, bicycle, automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. James has a mosquito net, TV, DVD, but he does not have electricity, solar power, running water, or a sewing machine.
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.