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Edward, from the town of Kisii in Western Kenya, is 34, married, and has three children between the ages of 2½ and 7. Two of the children attend school. Edward has had a mixed farm which produces maize, bananas and milk for the last five years, selling his products to the local market. He also earns income from his rental houses in the same area.

Edward has requested this loan of 70,000 Kenyan Shillings from Juhudi Kilimo to purchase a dairy cow and improve his cattle-selling business. He says this loan will help him acquire a quality dairy cow that will increase his milk production. He will therefore be able to provide enough milk for domestic consumption and earn enough income that will assist him in paying school fees for his children.

His biggest challenge has been the fluctuations in product prices that make it hard to budget. He is, however, grateful to Juhudi for taking the family from poverty and uplifting their living standards by giving them loans.

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
  • 544
    View loans »
    Kenya Loans Fundraising
  • $49,761,875
    Funds lent in using Kiva
  • 81.0
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Edward to purchase a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jul 30, 2010
Aug 22, 2010
Currency Exchange Loss:
Sep 15, 2011