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Elizabeth has been a farmer in the Kitale area of western Kenya for three years, specializing mainly in vegetables and onions which she sells to the local market. She is married with four children aged between ten and seven years.

Elizabeth has requested a loan of 41,600 KES from Kiva partner Juhudi Kilimo to buy and insure a dairy cow. Farming is her only source of income, and she believes the acquisition of a dairy cow will help her meet her family's basic needs with ease. Her goal is to venture into poultry farming as well in future.

While Elizabeth notes that drought and animal diseases are inherent problems in farming, she is determined to succeed in the business despite these challenges.

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
  • 603
    View loans »
    Kenya Loans Fundraising
  • $49,786,350
    Funds lent in using Kiva
  • 83.3
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Elizabeth to buy and insure a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 16, 2012
Apr 18, 2012
Currency Exchange Loss:
Jun 17, 2014