A loan helped to buy farming inputs, such as high-quality seeds and nutrient-rich fertilizers, to greatly improve her farm yield, and make more income to care for her family.


Anne's story

Anne, 22 years old, has a funny sense of humor and always has a smile on her face. A farmer, she has been in the agricultural business in a remote area for many years and has never thought of doing any other job.

Anne’s primary sources of income are from milk sales, as well as a personal business she engages in to make ends meet. She has managed to take care of her family with her income from selling milk.

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

To meet the high costs of inputs, farmers have been forced to borrow from financial institutions, which sometimes impose very complicated procedures in loan distribution. Some farmers, especially women, end up feeling hopeless and despondent and lacking the morale to invest in agriculture.

Anne has requested a loan from Juhudi Kilimo, a Kiva field partner. She will use the loan to buy farming inputs, such as high-quality seeds and nutrient-rich fertilizers, to greatly improve her farm yield and make more income to care for her family. With this loan, Anne expects to increase her crop production, which will translate into a high, good-quality yield. Her living standards will be changed completely. Anne and her family are so grateful for the impact that this loan will bring in their lives.


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