She stated what is most enjoyable about farming: 'poultry keeping.' Her biggest challenge is 'disease.' Animals on the farm have been given the names of 'mrembo.'
Hanah was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'because it finances farmers.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'importance of using the loans in the required projects.'
Her highest monthly expense is school fees. When asked 'How will this loan benefit her family', Hanah replied, 'help to educate the children.'
As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Hanah 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, electricity, running water, TV, DVD' but does not have 'solar power, sewing machine'.
More information about this loan
This loan is part of Juhudi Kilimo’s green loan program. As part of this initiative, Juhudi Kilimo is piloting new solar powered energy systems and improved cookstoves as in-kind loans to their current network of farmers. Both of these products will help borrowers to reduce their current energy costs (charcoal, wood, kerosene), limit their exposure to harmful emissions, and decrease the environmental impact of rural deforestation that occurs with traditional open-fire cooking methods. By funding this loan, you are helping a farmer in Kenya to access cleaner, cheaper, and greener energy for themselves and their families.
Important InformationTo 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.
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