Total loan: $475


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Limuru, Kiambu County, Kenya / Agriculture

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

A loan helped to buy another dairy cow to meet the high demand for milk and then use her profit to support her school-going child.

Margaret's story

Margaret (a 36-year-old mom of 1 school-going child pictured in her simple house) is a loving mother and has been farming for the past few years. Thanks to her efforts and dedication, she has always had a good milk and crop production.

Margaret works tirelessly every day of the week on her farm. Dairy farming has always played a core role in the Limuru area of Kenya. Since Margaret had a child, her personal and financial obligations have skyrocketed. She decided the best way to increase her income is to improve her farm's productivity.

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 the traditional breeds, but come at higher prices.

Margaret is seeking a loan from Kiva lenders to purchase 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 child's education and to meet family expenses.

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