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Michael, a resident of the Kitale area of Western Kenya, has practiced farming for over 35 years, employing one farmhand and producing milk, maize and beans for the local market. He is a married father of 10 children between the ages of 32 and 14 years, the last four still in school. His family entirely depends on farming for their upkeep.

Michael is now requesting a loan of 83,200 KES from Juhudi Kilimo to buy and insure two dairy cows. He says the income from the cows will help boost his farming income which he will use to pay school fees for his children.

While lamenting the frequent fluctuations in milk prices, Michael is glad to have joined Juhudi Kilimo for its loan services, and focuses on timely repayment of the loan and hopes to acquire larger amounts in the future.

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
  • 483
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 82.9
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Michael to buy and insure two dairy cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 12, 2012
Apr 11, 2012
Currency Exchange Loss:
Feb 17, 2014