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Ronald O. is 30 years old and married with two children, ages 3 and 5, who both attend school. He has a mixed farm that produces bananas, maize and beans, which are all sold to the local market. He has been in the farming business for four years and employs two farmhands. He also earns income from his hotel and tailoring businesses in the same region. His biggest challenges have been lack of enough farm inputs (such as fertilizer) and too much rain, which affects his production.

He has requested this loan of 45000 KES through Juhudi Kilimo to purchase and insure a dairy cow. He says that this dairy cow will improve his milk production and that his family will have enough milk for domestic consumption and sale. He is hopeful that his farming will expand in the future and that he will be able to sell his products wholesale.

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
  • 1000
    View loans »
    Kenya Loans Fundraising
  • $47,167,325
    Funds lent in using Kiva
  • 80.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Ronald to purchase and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 6, 2010
Jan 3, 2011
Currency Exchange Loss:
Mar 15, 2012