A loan helped to buy different cereals from local farmers to sell to her customers and at the local market.


Sheila's story

Sheila is a 34-year-old mother of 3 children. She lives in Kericho, a town that hosts a number of elite athletes in Kenya. Through hard work and perseverance, she has supported her family in very difficult times. On her farm, Sheila grows various crops.

Although she has gathered much experience in this business, and her clients enjoy the quality of crops that she sells to them, she is not comfortable with the little she earns, having invested so much of her time and effort. Sheila has therefore decided to take out a loan, which she will use to buy different cereals from local farmers to sell to her customers and at the local market.

Through this work, she will earn a commission that she intends to use to repay the loan and elevate her standard of living. This loan is an opportunity that Sheila has never had before. Her irregular income and lack of collateral security were the main drawbacks limiting her from accessing a loan from the commercial banks. Thanks to Juhudi Kilimo and Kiva, the lives of Sheila 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