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Margaret
Wonderful Lenders! Margaret is a very honest, hardworking and dedicated farmer who is 56 years of age and hails from the Kerugoya area of Kenya, an area known to have the best weather patterns that favor crops and animal farming. Margaret has so much experience in farming, and having done farming for the past 23 years, she is considered as one of the best farmers in her village. Margaret's primary source of income is milk selling, egg selling, and crop farming.

Margaret is a very dedicated dairy farmer, and she has nicknamed her cows “Osama and Ndune” (name of a person). Margaret has space on her farm that is unused, and she wants to use the space through keeping more dairy cows. That is why she is kindly seeking a loan to buy a dairy cow. Through the loan, Margaret is going to improve her living conditions and also improve the conditions of her six children by providing them with a solid education because education is the “key to success”.

Kerugoya has a ready market for milk, and also the population is high. Hence, Margaret will not have a problem selling the milk and increasing her income level.

Margaret is very disciplined with finances and she is sure that through accumulated profits, she will open a large dairy shop and be able to pay the loan on time.

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
  • 637
    View loans »
    Kenya Loans Fundraising
  • $39,776,825
    Funds lent in using Kiva
  • 87.7
    Kenya Shillings (KES) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $250 helped Margaret to buy a dairy cow.
41% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jul 24, 2014
Listed
Aug 4, 2014
Currency Exchange Loss:
Possible