A loan helped to purchase farming inputs such as fertilizer and hybrid seeds to boost the quality of her horticulture produce.


Winnie's story

Being brought up in a poor background did not dampen Winnie's spirit. Rather, she viewed it as her opportunity to learn more about real life.

Today, she is mother and an experienced dairy and crop farmer. She works every day of the week to ensure that her children continue to learn smoothly and that they never lack a meal.

Because of her love for her family, she wakes up very early each morning to prepare her children for school.

Winnie is seeking a loan to purchase farming inputs such as fertilizer and hybrid seeds to boost the quality of her horticulture produce, earn more profits and elevate her living standards.

In Kenya, agriculture is one of the most competitive industries, especially due to the high costs of operations necessary to improve farming. Such costs include the cost of land acquisition and inputs, which have skyrocketed.

To meet the high costs of inputs, farmers have been forced to borrow from financial institutions that sometimes impose very complicated procedures. Some farmers, and especially women, end up being disadvantaged.

Winnie's irregular income and lack of collateral security were the main drawbacks limiting her from accessing a loan in commercial banks.

This loan is therefore an opportunity that she has never had before. Thanks to Juhudi Kilimo and Kiva, the life of Winnie and her family will be changed through this loan.


This loan is special because:

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



Loan details


Lenders and lending teams



Loan details