Edith is a farmer who lives in Kitale, where she has done farming for 15 years. On her farm she grows crops including maize, and rears pigs and poultry. She generates her income from the sale of crops, and because she has a motorcycle, she offers transport to the residents of the area. What she enjoys most about farming is the income she receives out of it; while her biggest challenge is crop pests and diseases and how to control them.
She chose Juhudi Kilimo because of the good services they offer. When asked what she learned from Juhudi's microfinance training session, she said the sessions equip farmers with knowledge that will be beneficial for their farming activities.
Edith said with this loan she would buy poultry, which will produce eggs for sale, and thus an increase her income.This will improve her family's living standards.
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.