A loan of $475 helped to buy a dairy cow.


Joel's story

Joel is 42 years old and married with two grown children, ages 27 and 24. He is a farmer in the Litein area of the South Rift Valley in Kenya. He's been farming for 25 years and sells tea leaves through the Kenya Tea Development Authority and milk to the local community. He says that the main challenges to his business are a lack of capital and the limited size of his farm.



Joel successfully completed a previous loan through Juhudi Kilimo for Kes. 45,000 and requested this loan for Kes. 35,000 to purchase another dairy cow. The additional cow with increase his milk sales and overall income. In the future, he hopes to purchase more land and expand to start also selling cows. He says that he wants to work hard to improve his livelihood and ensure his family's food security.



About Juhudi Kilimo



Juhudi Kilimo is an innovative, for-profit social enterprise working with smallholder farmers in Kenya. Juhudi directly finances dairy cows, chickens, agricultural equipment, and other assets that are specifically chosen to create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic bookkeeping and local market research. For its clients and their families, Juhudi also offers access to medical aid. Through all these services, Juhudi is creating sustainable growth and employment in rural communities across Kenya.



Loan details


Lenders and lending teams



Loan details