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Rose
Hello, Kiva lenders! Meet Rose, a 28-year-old, very hardworking, honest and ever smiling mother of 6 children. She lives with her husband in the Kitale area of Kenya - an area known to have good weather patterns and which is always referred to as the “bread basket of Kenya” because half the food Kenya consumes is from this region.

Rose passionately loves farming. She has been farming for the past 3 years and has always managed to provide for her family. Her primary source of income has been crops and some personal business that she does in order to provide food for her family. In farming, she enjoys the returns she gets but is challenged to maintain a good standard of living.

Rose has identified free space on her farm and wants to fully utilize this space by keeping a good quality dairy cow. Dairy farming in Kenya is a very profitable venture and milk prices in the recent past have been going up, so Rose, being a visionary and entrepreneurial woman, wants to take full advantage of this. She has chosen the breed of cow that she will keep, and she knows that she will not only get milk from the cow but also manure, and this will boost the fertility of her farm. Selling her milk will never be a problem because there is a ready market and she will also be selling to big dairy processing firms.

Rose said she chose Juhudi Kilimo for this loan because they offer agricultural based loans, and their interest rate is low and is on a reducing basis. She underwent training through Juhudi Kilimo, and from this training she learned that saving is a continuous process in many microfinance institutions.

Rose hopes that through the accumulated profit she will be able to start adding value to her milk by starting services such as packaging and the production of other dairy products. This loan will change her life and will secure the future of her school-going children.

She awaits your kindness.

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
  • 912
    View loans »
    Kenya Loans Fundraising
  • $43,075,425
    Funds lent in using Kiva
  • 87.9
    Kenya Shillings (KES) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $775 helped Rose to purchase a dairy cow.
39% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 23, 2014
Listed
Aug 17, 2014
Currency Exchange Loss:
Possible