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Mujeni
Mujeni participates in the marketing function of Juhudi Kilimo, an agricultural micro-finance social enterprise, based in Kenya. She is requesting a loan from Kiva to pursue her Masters in Business Administration. The reason she is seeking a loan to finance her MBA is because her income is stretched, being the sole bread winner in her family. Her husband’s travel business was adversely affected by Kenya’s post-election violence in 2007/2008. She is taking care of family expenses including education for her two children.

Mujeni's father passed away when she was in secondary school, leaving her mother with 7 siblings, 6 other children that were passed onto her family through inheritance, and 1 adopted child. Her mother could hardly afford to pay her fees. One of her siblings was moved with compassion and he forfeited his university education and settled for a low income job in order to raise school fees for Mujeni. This motivated her to work very hard, efforts that enabled her to join Kenyatta University where she completed her undergraduate degree, majoring in French, Education, and Business Studies. Her knowledge of French earned her a Bilingual Executive Assistant role in an organization. Her manager quickly noticed her passion, diligence and willingness to learn more and gave her additional responsibilities in marketing. She developed a strong interest in marketing and decided to enroll for a diploma in marketing. She grew within the ranks of her profession from an Advertising Assistant, to Marketing Assistant, to a Brand Manager and later on, she was promoted to a Senior Brand Manager handling six countries. As her career grew, she also wanted to give back to her family and opted to use her earnings to educate three of her siblings.

Having worked in the corporate world all her life, Mujeni longed to work for a social enterprise that is customer-centric and has social impact. In June 2013, she was privileged to join the beautiful family of dedicated, passionate individuals at Juhudi Kilimo. She was attracted to Juhudi Kilimo because of the core business and operating model. Juhudi serves the poor, small holder farmers in Kenya. This is a severely marginalized group with little access to financial services. By extending credit to the farmers, Juhudi helps them acquire assets that earn money for them and can be insured against loss. She loves the fact that Juhudi loans increase the income of the farmers so they can move from subsistence to more commercial farming, enhancing their own food security and that of their community. She is excited to be part of an organization that provides a growth path for individuals to a more secure future. She love challenge and joining Juhudi was an exciting opportunity for her because they did not have a marketing function and this was a great opportunity for her to set up the function as well as define and grow the Juhudi Brand.

Juhudi is undergoing a radical transformation. As part of the leadership team, she believe that she should lead by example. She would like to improve her skills so that she can best partner with Juhudi to deliver the promise of elevating the quality of lives of Juhudi's farmers. As an executive heading the marketing function, she has decided to pursue the Global Executive MBA from USIU in Nairobi. This is an all-inclusive, practical course that will build her skills and make her a well-rounded leader. She looks forward to applying the newly acquired skills and knowledge into her role in order to bring Juhudi to the next level.

Additional Information

More information about this loan

This loan is part of Juhudi Kilimo’s effort to provide future leaders in Kenya with access to higher education, while also allowing the organization to increase its staff capacity and scale its services. Juhudi Kilimo empowers thousands of smallholder farmers across rural Kenya through its financial and non-financial services. However, the organization is currently constrained in its ability to reach its 2015 goal of improving the lives of 100,000 underserved farmers due to its undersized staff capacity. By helping local management and staff at Juhudi Kilimo to access further education, Kiva can increase this capacity, allowing the organization to reach more rural farmers with critical income generating financial services.
 
Kiva’s interest-free flexible funding will allow Juhudi Kilimo to offer these education loans to employees with a 0% interest rate, ensuring that high-quality local talent are attracted and retained by the company. Monthly repayments will be automatically deducted from the employee’s salary, reducing the risk of defaults.
 
By funding this loan, you are playing an important part in helping a future leader to access key education, while also supporting Juhudi Kilimo as it attempts to provide more underserved farmers with important opportunities. 

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.

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About Kenya

  • $1,800
    Average annual income
  • 704
    View loans »
    Kenya Loans Fundraising
  • $42,216,300
    Funds lent in using Kiva
  • 86.4
    Kenya Shillings (KES) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $9,850 helped Mujeni to pay for Masters in Business Administration costs.
94% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 5, 2014
Listed
Mar 8, 2014
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2015