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Joyce
Joyce, a mother of four, has been farming for the last 34 years in Murang’a, Kenya. She gets by selling milk, eggs and tea produced from her farm. She also offers motorcycle transportation services to make extra money.

There is nothing she enjoys more that generating income from the work she puts in on the farm. Her biggest challenge to this day is unavailability of labour. She loves her cow that she named Karma.

Over the years, Joyce has come to appreciate the benefits of loans through Juhudi Kilimo agribusiness training sessions she attended. In her case, she will leverage her business to meet the farming inputs and equipment expenses.

With your loan, Joyce is going to purchase irrigation pipes and generator. This will enable her plants to have year-round availability of water. This will boost yields, which will provide Joyce’s family more income by the end of the season.

Additional Information

More information about this loan

Juhudi Kilimo works 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. This loan will provide an income generating agricultural activity for small-holder farmers to improve their standard of living.

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
  • 881
    View loans »
    Kenya Loans Fundraising
  • $43,068,825
    Funds lent in using Kiva
  • 86.8
    Kenya Shillings (KES) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $925 helped Joyce to purchase an irrigation kit.
96% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 16, 2014
Listed
Apr 29, 2014
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2015