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Job is an IT Manager at Juhudi Kilimo, an agricultural microfinance institution in Kenya, East Africa. He is requesting a loan form Kiva to pursue his undergraduate studies in Business Information Technology. He wants to pursue his degree because of his desire to keep abreast with emerging technological trends in the Information Communication Technology (ICT) sector.

The reason he is seeking a loan to finance his studies is that his father is diabetic with high blood pressure and thus on full time medication, which he and his siblings pay for. He also has a wife who is unemployed and a son to care for. These family responsibilities reduce his income, and high interest rates make a loan in Kenya for his pursuit of higher education, prohibitive. A Kiva loan for his education will afford him the chance to keep learning and assisting in Juhudi's growth.

Job joined Juhudi Kilimo in April 2010 as a Systems Administrator and he is one of three people who has been with the company from the start! Previously he was an IT Support Assistant with the K-Rep Development Agency. He had had internship experience before that, with AMTECH Technologies, Swedish Co-operative Centre –VI Agro forestry, and the Agricultural Development Corporation.

He is passionate about Juhudi because of the innovative environment and also because the management and board are receptive to embracing emerging technological systems. He has been instrumental regarding systems support in the Juhudi offices and has played a significant role in systems upgrades. This includes the facilitation of continuous integration and maintenance of all business application systems like ERP, CRM, Cloud application systems, mobile phone application systems and other IT interventions. IT has been changing in Kenya – recently Juhudi migrated to a microfinance platform on SalesForce which will allow it to grow its portfolio of agriculture, livestock and transportation loans.

Job's degree will give him the skills to provide ICT solutions for Juhudi's services as the company grows in the coming years, and will cascade to operational aspects of IT management.

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.


About Kenya

  • $1,800
    Average annual income
  • 849
    View loans »
    Kenya Loans Fundraising
  • $42,925,925
    Funds lent in using Kiva
  • 86.4
    Kenya Shillings (KES) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $8,125 helped Job to help cover costs for a degree in Business Information Technology.
26% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Mar 5, 2014
Mar 8, 2014
Currency Exchange Loss: