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Justus, 27, is married with two children aged seven and two, the elder of whom is attending school. He has been practicing mixed farming for four years, producing tea, which he sells through the Kenya Tea Development Authority, and milk, beans, and maize, which are sold locally. He earns 8,000 KES monthly from employment, as additional income for his farming business.

Justus has requested a loan of 45,000 KES from Juhudi Kilimo to purchase and insure a dairy cow. He plans to use the extra income from the sale of the milk to pay school fees. He is also focusing on acquiring more land and increasing the number of dairy cows he keeps to four.

Justus notes that pests and diseases are a great impediment to his farming business. However, he appreciates the loan services provided by Juhudi Kilimo.

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
  • 474
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 83.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Justus to purchase and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 10, 2011
Currency Exchange Loss:
Feb 15, 2013