A loan of $1,000 helped to buy a cow and improve his posho mill.


Joram's story

At 65 years old, Joram has six grown children and now a four-year-old grandchild. He started farming ten years ago when he retired after many years of employment. His farm is in Ndikwe, near Murang'a, in the Central Province of Kenya. He sells the bananas, milk, and maize from his farm in the local market. He also earns income from his posho mill (pictured with Joram above) by charging other farmers a fee to grind cereals, mostly maize, into flour. The main challenge to his business is a lack of funding for farming inputs such as seeds and manure. Recently, there has also been a poor market for farm produce.

Joram is the chairman of his solidarity group at Kiva partner, Juhudi Kilimo, and completed a previous individual loan for 30,000 KES. He has requested a new individual loan for 75,000 KES to make improvements to his posho mill and expand his dairy farm by buying and insuring a new dairy cow. He aims to improve his income by producing up to 20 liters of milk a day and increase his customer base by offering a better service because he will be able to handle larger quantities of cereals.

Joram says that Juhudi Kilimo has enabled him to get back into the posho mill business and make improvements. He has also been able to acquire a dairy cow and a goat.



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