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Janeth lives in the Kericho area, which lies in the tea-growing region of Kenya. She has two children and has been doing this work for five years. Her primary income sources are milk, tea and crops.

She stated that dairy farming is what is most enjoyable about farming. Her biggest challenge is lack of enough capital. Animals on the farm have been given the names of 'Lelgong.' Janeth is borrowing 40000 KES to construct a greenhouse.

Janeth was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Improves low-income earners.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Loan repayment is done monthly.'

Her highest monthly expense is the cost of farming. When asked 'How will this loan benefit your family?', Janeth replied 'Increased income.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Janeth 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.'

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
  • 837
    View loans »
    Kenya Loans Fundraising
  • $42,925,925
    Funds lent in using Kiva
  • 87.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Janeth to construct a greenhouse.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Oct 3, 2013
Currency Exchange Loss:
Mar 17, 2015