Zipporah K. is 31 years old and married with four children who all attend school.
She has a mixed farm in Kisii town, western Kenya, that produces maize, beans, cabbages, tomatoes and carrots, which she sells locally. She has been in the farming business for more than 20 years. Her primary challenges are diseases and price fluctuations. She depends mainly on the income from her farm to meet the basic needs of her family.
Zipporah has requested a loan of 35000 KES through Juhudi Kilimo to improve her zero-grazing (stall-feeding) farming. The extra income from this loan will help pay school fees for her children. In the future, she would like to own at least two quality dairy cows.
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.