Total loan: $975


Kitale, Trans-Nzoia County, Kenya / Agriculture

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A loan helped to hire more labor to help on her farm, so she can improve her production and earn more income to support her family.

Germana's story

Meet Germana (67 years old and a mom of five). She is a woman with a very captivating smile and a kind personality. This humble mother is a smallholder farmer from a remote village in the outskirts of the Kitale region of Kenya.

Germana has a farm where she practices mixed crop farming. She earns her income by selling milk and eggs to her neighbors and at the local market. Germana never learned agriculture from any institution, but has gained her knowledge from experience since her childhood.

After learning about Juhudi Kilimo, Germana applied for this loan to hire more labor to help her on her farm, so she can improve her produce and earn more income to support her children.

Unlike other sources of microfinance in Kenya that impose very complicated procedures for funds acquisition, thereby discouraging smallholder farmers, Juhudi Kilimo is working closely with Kiva to make loan acquisition for smallholder farmers easy and convenient. Through this intervention, movement of funds in the rural communities has increased, helping to alleviate rural poverty.