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Grace, 43, is a mother of four children aged 22, twenty, twelve and six years. She has been farming for over ten years, from which she earns her basic source of income for her family. She currently sells her bananas, beans and poultry at the local market.

Grace wants to branch out in her farming and has requested a loan of 35,000 KES from Juhudi Kilimo to buy a dairy cow. She will use the income derived from the cow to educate her children and improve their living standards.

She appreciates Juhudi Kilimo for its loans with monthly repayment schedules. She knows these greatly support smallholder 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
  • 406
    View loans »
    Kenya Loans Fundraising
  • $50,337,625
    Funds lent in using Kiva
  • 82.5
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Gladys to buy and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 23, 2012
Currency Exchange Loss:
May 18, 2013