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Zachary O. is 35 years old and married with four children who are between the ages of 18 months and seven. Three of his children attend school. Zachary has a mixed farm in the town of Kisii in Western Kenya. He has been farming for fifteen years and employs one farmhand. His main products are eggs, milk, maize, beans and tea which he sells to both the local market and Kenya Tea Development Authority. He also operates a kiosk and a motorbike business in the same area.

Zachary has requested this loan from Juhudi Kilimo of 80,000 KES to purchase a dairy cow. The proceeds from this loan will go towards the education of his children and the expansion of his business. His biggest challenges have been competition, price fluctuations which make his income unstable and pests and diseases which affect production.

Zachary plans to open a hardware store in the future. He says that ever since he became associated with Juhudi Kilimo it has helped him grow, and he really appreciates it.

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
  • 428
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 81.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zachary to purchase a dairy cow.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Aug 11, 2010
Aug 23, 2010
Currency Exchange Loss:
Feb 15, 2012