Total loan: $650


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Meru, Meru, Kenya / Agriculture

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

A loan helped to purchase a dairy cow and increase her milk supply to meet the demand of milk at a profit.

Mary's story

Mary is a loving mother who has always wanted to do the best for her family. Thanks to her efforts and dedication, she has always had good milk and crop production. She works tirelessly every day of the week on her farm. Dairy farming has always played a core role in the Meru area of Kenya.

Since she has children, 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 Friesians are more productive, and can survive in the same environment as the traditional breeds, but come at a higher price.

Mary 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 children's education and meet family expenses.

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