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From the town of Kitale in western Kenya, Sipora is a 58-year-old married mother of 11 children between the ages of 15 and 38, three of whom are currently attending school. She has been a farmer for 39 years, selling her milk, eggs, beans and vegetables to the local market.

Sipora has made a loan request of 62,400 Kes through Juhudi Kilimo to purchase and insure a dairy cow. The extra income from the sale of milk will help her provide for the basic needs of her family. She, however, will face the challenge of fluctuation in the market prices of milk and diseases which will affect her production. Sipora hopes to acquire at least three high-yield dairy cows in the next five years.

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
  • 534
    View loans »
    Kenya Loans Fundraising
  • $49,761,875
    Funds lent in using Kiva
  • 85.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Sipora to purchase and insure a dairy cow.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 19, 2011
May 26, 2011
Currency Exchange Loss:
Jul 18, 2013