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Conceptor
Conceptor is a mixed farmer living in the rich Kisii highlands of Kenya, an area that has favorable weather patterns and the cash crop is banana. “Matoke” is the favorite meal and it’s a delicacy prepared from bananas. She is married and has six children of school-going age and has fought so hard raise them. She has been farming for the past 15 years and her source of income has been milk, tea and crops. Dairy farming is close to her heart and she really enjoys milking her cows. The fact that she loves dairy farming can be seen right from the names she has given the cows. One of his cows is named “matonto”, which is a Gusii word denoting beauty.

A lack of capital has always been a challenge to Conceptor and this has been a setback to her in trying to increase her dairy business. She is seeking kindly funds to buy a quality dairy cow that is of a quality breed. The dairy cow that she plans to buy will be producing between 10-15 liters in a single day. This amount will greatly boast her sales volume.

Since dairy farming is a profitable business venture, she will reap more profits because the demand for milk is very high and this will boast her income level. Through the training from Juhudi Kilimo, she has been taught how to be disciplined with finances and she plans to use the extra income she will be making to fully repay the loan and secure the future of her school-going children. She plans to open a very large milk-selling business and channel the profits to other projects she currently has pending.

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
  • 696
    View loans »
    Kenya Loans Fundraising
  • $42,216,300
    Funds lent in using Kiva
  • 88.0
    Kenya Shillings (KES) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $250 helped Conceptor to buy a quality dairy cow.
74% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 14, 2014
Listed
Aug 19, 2014
Currency Exchange Loss:
Possible