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Josephine has been in farming for over 15 years, producing and selling milk, maize, cabbages, tomatoes and tea. She also gets additional income from working as a tea harvester. Josephine is married and has 4 children between 12 and 3 years old. All her children are in school and live with her in their home in Nyamira, South Rift Kenya.

Josephine has requested a loan of 31,200 KES from Juhudi Kilimo to purchase and insure a dairy cow. She says the income will help her educate her children. She is also focusing on purchasing more land and acquiring two additional dairy cows.

Josephine says crop diseases are a challenge to farmers. She is grateful to Juhudi Kilimo for its support of farmers.

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
  • 408
    View loans »
    Kenya Loans Fundraising
  • $50,225,025
    Funds lent in using Kiva
  • 91.0
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Josephine purchase and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jul 3, 2011
Currency Exchange Loss:
Jul 16, 2012