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James is 59 years old. He is married and has been blessed with six children aged between 10 and 18 years old. Four of the children attend school.

James has been operating his mixed farm in Kisii town, Western Kenya for over 20 years. He has employed two people from his community. His farm produces beans, millet, vegetables, maize and milk, which he sells to the local market. He solely depends on the income from farming to fulfill the needs of his family. His primary challenge has been debtors who don't pay their debts.

James has requested this loan from Juhudi Kilimo of 70,000 KES to purchase a dairy cow. He says that the proceeds from the sale of milk will enable him educate his children and finish building his house. In the future, he plans to expand his vegetable business by growing more vegetables and exploring more markets.

He is grateful to Juhudi for being there to support them.

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
  • 467
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 81.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped James to purchase a dairy cow.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Jul 14, 2010
Jul 26, 2010
Currency Exchange Loss:
Jan 15, 2012