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Reuben is aged 35 and married with two children. He has a mixed farm in Kitale town, western Kenya, where he produces milk and grows maize and beans. He has been farming for twelve years now and sells his produce locally. He is also a mason.

With a loan of 62,400 KES, he intends to purchase and insure a dairy cow. He hopes that he will be able to purchase a quality dairy cow which will produce enough milk for domestic sale and family consumption. He faces the challenge of the fluctuation in market prices for farm produce and the lack of enough animal feed.

The extra income from this loan will enable him to afford a better life for his family.

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
  • 489
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 90.4
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

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