A loan helped to buy farm inputs such as hybrid seeds and nutrient-rich fertilizers to improve his farm's output and make a profit to educate his children.


Joshua's story

Joshua’s happiness gives him a warm glow, and his smile always shines on other people. He is a farmer from a remote village in Eldoret, Kenya. He has defied the common thinking among Kenyans that agriculture is for the older generation. His primary source of income is milk, and he also plants maize on his farm.

Although he earns handsome profits from farming, Raymond faces one big challenge: the high prices of fertilizers, seedlings, and other farming inputs. That is why he is seeking a loan to buy farm inputs such as hybrid seeds and nutrient-rich fertilizers to improve his farm's output and make a profit to educate his children.

Unlike most micro-finance in Kenya that have very complicated procedures for funds acquisition, which discourages smallholder farmers, Juhudi Kilimo is working closely with Kiva to make loan acquisition for a smallholder farmer easy and convenient. Through this intervention, movement of funds in the rural communities has increased, thereby alleviating rural poverty. Joshua is very thankful for this gesture of goodwill in his life.


This loan is special because:

It finances smallholder farmers to purchase dairy cows, chickens, cereals and farming equipment.



Loan details


Lenders and lending teams




Loan details