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Benjamin is seeking a loan to pay for the costs associated with a Masters in Business Administration. This is his story:
“My name is Benjamin and am currently the Chief Operations Officer of Juhudi Kilimo, an Agricultural Microfinance Institution in Kenya. I am requesting a Kiva loan to enable me pursue my MBA studies. This course will equip me with the knowledge and practical managerial approach that I can put into action and positively impact the organization. This will allow me to have a greater impact on our farmers and transform their livelihoods and that of the communities we work in. This promise I hope to deliver.
I grew through the ranks to where I am now through hard work and by being passionate about small scale farmers and serving them diligently. I started as a Credit officer, then senior officer and Regional manager before getting the opportunity to head the operations at Juhudi.
Juhudi Kilimo gives me great satisfaction, and I have never been as happy as now because every day I get to see the impact our loans have in transforming our farmers lives.
After high school I engaged in small businesses like selling vegetables, mending shoes and other menial jobs to raise enough capital to start a barbers shop. My parents didn't have the means to send me to college so I used the income from my barbers shop to join my Diploma course. This certificate helped me get my first Job in Microfinance. I have since completed my Bachelors Degree in business administration, albeit with struggle as I still support my other siblings and aging parents.
Being the head of operations I am charged with the greater responsibility of ensuring business growth quality service to our farmers.There is need for me to upgrade my skills in leadership, operations and strategic management so as to be more effective in driving Juhudi strategy to reach 160,000 farmers with life transforming loans by 2016. This promise I will deliver to our farmers , and continue to transform their lives with your support.”

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
  • 738
    View loans »
    Kenya Loans Fundraising
  • $43,794,475
    Funds lent in using Kiva
  • 86.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $9,850 helped Benjamin to pay for the costs associated with a Masters in Business Administration.
100% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Mar 5, 2014
Mar 10, 2014
Currency Exchange Loss:
Jun 18, 2015