Meet John. He is a smallholder farmer based in Murang’a area of Kenya, which is renowned for its expansive pineapple plantations. He lives together with his spouse and three children on a small parcel of land where he has been doing agriculture for the last 12 years. His primary income sources are milk, eggs, tea and a few other varieties of food crops.
John is seeking a loan for purchasing a chaff cutter and constructing a dairy shed. During the years as a farmer, he came to appreciate that dairy farming is a sustainable venture that has seen him make regular income enough to keep his family’s simple lifestyle going. John’s strategy is to focus more on the dairy side of his activities. However, he lacks the finances necessary to make improved adjustments for a better state of his dairy farm
With your funding, John will construct a cow shed that will create a better environment for dairy management and animal health. A cowshed is also necessary for the introduction of zero-grazing. The chaff cutter, on the other hand, will cleanly and evenly chop hay into small pieces for feeding to livestock. Because of hay’s small size as a result, it will mix well with other feeds to balance a ration. This way, livestock are encouraged to eat more, with less chance of selecting particular parts of their ration, and so there can be less wastage.
Extra income realized from these improvements will go to John’s children’s education.
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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