A loan helped to buy different varieties of cereal grains, such as maize and beans, for a widowed mom to sell in the local market.

Ruth's story

Ever since Juhudi Kilimo agreed to join hands with Kiva, thousands of small-holder farmers in Kenya have benefited from loans. Ruth (a 23-year-old widowed mom of two) has joined Juhudi and is happy to be part of Kiva.

She is a farmer who resides in a remote village in Kenyenya. She is motivated to work hard so that her children will have a bright future. Because of the immense knowledge she has of farming, farmers from her village seek her technical advice.

Although Ruth makes a profit from farming, she is not comfortable and has always wanted to increase her income by selling cereals grains. She is therefore seeking a loan that she will use to buy different varieties of cereals, such as maize and beans, to sell in the local market. Her remote area, one of the country's most populated regions, has a high demand for cereals. This means that Ruth could increase her profits by satisfying the local demand and thus better support her family.

Unlike local money lenders who charge exorbitant interest on loans, Juhudi Kilimo and Kiva have entered into a partnership that aims at improving the lives of smallholder farmers through providing them with loans and encouraging them to save.

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