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Ngeno is 26-year-old single man with no children. He has been running a dairy farm near the town of Litein in western Kenya for the past two years. His primary income comes from selling milk to Brookside, a dairy company in Kenya, but he also earns income from tea farming and poultry. Ngeno says that the main challenge he faces now is constraints on available capital for his farming.

Ngeno recently completed his first loan with Kiva partner, Juhudi Kilimo, for 20,000 KES. He has now requested a new loan of 50,000 KES to purchase a motorbike. He says that the extra income from this loan will help improve his net worth and aid in his farming practices.

Additional Information

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that 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 book keeping and local market research.

About Kenya

  • $1,800
    Average annual income
  • 605
    View loans »
    Kenya Loans Fundraising
  • $49,786,350
    Funds lent in using Kiva
  • 77.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ngeno to buy a motorbike.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 19, 2010
Mar 28, 2010
Currency Exchange Loss:
Apr 21, 2011