Janet is relatively new to farming with four years of experience. She enjoys selling farm products and making profits. However, a lack of market and transportation of produce are the biggest challenges she faces.
Janet is seeking a loan to buy a donkey and an animal-drawn cart. Donkeys are a suitable mode of transportation for the hot, hilly, and rocky countryside where Janet comes from. She needs a donkey to pull a cart on which she will load produce headed for the market. A donkey is ideal for Janet because they are versatile and hardy animals. These qualities make a donkey on Janet’s farm highly valuable.
Janet had trouble finding a financier until she heard about Juhudi Kilimo on the radio and decided to follow through with her plans of joining. During the mandatory training sessions, she has learned to be a good investor and a loan manager.
She is anticipating huge benefits from acquiring a donkey. Her highest monthly expense has always been family-related and with more income in the future, she plans to send her children to better schools.
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 InformationTo 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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