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Judith, 36, is a mother of 4 children between 2 and 12 years. She is a dairy farmer from the town of Litein in Rift Valley, Kenya, where she has been farming for ten years. Her farm is currently producing milk and tea which are sold to the local market.

She has requested a loan of 40,000 Kes through Juhudi Kilimo to construct a zero grazing unit. The extra income from this loan will enable her improve her family's livelihood and pay school fees for her children. Her major challenge has been the fluctuating market prices of milk, which makes it hard for budgeting.

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
  • 406
    View loans »
    Kenya Loans Fundraising
  • $50,341,275
    Funds lent in using Kiva
  • 84.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Judith to construct a zero grazing (stall-feeding) unit.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2011
Apr 1, 2011
Currency Exchange Loss:
Jun 16, 2012