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Bernard is 27 years old, married, and has one child, age 3. He has been practicing mixed farming for the last 4 years in Nyamira town, in western Kenya. His main products are tea, which he sells through the Kenya Tea Development Authority, as well as eggs and milk, which are sold locally. He also owns a shop in the same region.

Bernard has requested a loan of 45,000 KES through Juhudi Kilimo to purchase and insure a dairy cow. He says that the income from this loan will be saved for his son's school fees and will also improve his family's livelihood. His major challenges have been a lack of ready markets for his products and lack of enough capital to expand his farm.

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
  • 832
    View loans »
    Kenya Loans Fundraising
  • $46,969,425
    Funds lent in using Kiva
  • 82.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Bernard to purchase and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Feb 8, 2011
Mar 7, 2011
Currency Exchange Loss:
Aug 16, 2012