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A loan helped an ever-smiling mom to buy different varieties of cereals grains, such as maize, and beans, to sell in the local market.
Winnie (a 27-year-old mom of 2 children) has joined Juhudi and is happy to be part of Kiva. She is a farmer who resides in a remote village in Eldoret. She is motivated to work hard so that her children will have a bright future and her aging parents will have a comfortable life. Because of the immense knowledge she has of farming, farmers from her village seek technical advice.
Although Winnie makes a profit from farming, she is not comfortable and has always wanted to increase her income by selling cereals. She is therefore seeking a loan, which she will use to buy different varieties of cereals grains, such as maize, and beans, to sell in the local market. Her remote area, one of the country's most populated regions, has a high demand for cereals. This means that Winnie could increase her profits by satisfying the local demand and thus better support her family.
Unlike local money lenders who charge exorbitant interest on loans, Juhudi Kilimo and Kiva have entered into a partnership that aims at improving the lives of smallholder farmers by providing them with loans and encouraging them to save.