Total loan: $1,475


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Chuka, Kiambu, Kenya / Agriculture

Annerita's loan finished fundraising,
but these similar borrowers just need a little more help to reach their goals!

A loan helped to increase her income by buying another productive dairy cow.

Annerita's story

Annerita is 47 years old, the mother of four children, and full of hopes and expectations for transforming her life. On her farm, she has dairy cows and a small garden. The demand for milk in Chuka is very high and Annerita wants to increase her milk production to take advantage of this high demand.

To increase milk production, she can either buy more cows or replace the existing cows with more productive breeds. The latter makes more economic sense. Traditional breeds are well-adjusted to the environmental conditions and are disease-resistant, but their milk production is very low. Crossbreeds and Frisians are more productive and can survive in the same environment as traditional breeds, although they come at a higher price.

Annerita is seeking a loan from Kiva to buy another productive dairy cow that will bring her more income and improve her milk-vending business. She will use the additional income to pay for her children's education and to meet family expenses.

Unlike most microfinance organizations in Kenya that have imposed very complicated procedures in funds acquisition, thereby discouraging smallholder farmers, Juhudi Kilimo is working closely with Kiva to make loan acquisition for smallholder farmers easy and convenient.