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Anne, from the town of Kitale in western Kenya, has been farming for 25 years, her mixed farm producing maize, sugarcane and vegetables, all of which are sold locally. She depends mainly on her farm income to meet the basic needs of her family.

Anne has made a loan request of 62,400 Kes in order to purchase and insure a dairy cow. She says that the proceeds from this loan will help enhance her lifestyle and that of her family. The major challenge Anne faces are the low market prices of farm produce. However, she plans to expand her dairy farm and become a breeder of quality 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
  • 407
    View loans »
    Kenya Loans Fundraising
  • $50,341,275
    Funds lent in using Kiva
  • 90.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Anne to purchase and insure a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jun 27, 2011
Currency Exchange Loss:
Jan 15, 2013