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Grace is a resident of Kitale, in Western Kenya, where she has been practicing mixed farming for twenty years. Her farm currently produces milk, maize, tomatoes, and vegetables, which she sells within the local markets. She says her eight children, two of whom are still school, have all been brought up with farming income.

Grace has requested a loan of 100,000 Kenya Shillings (KES) from Juhudi Kilimo to buy and insure two dairy cows. She says she has been eager to improve the breeds of her dairy cows and this loan will help her realize that dream. She hopes to construct a zero grazing unit in her farm.

She says that dairy animal disease remains the most challenging aspect of farming.

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
  • 531
    View loans »
    Kenya Loans Fundraising
  • $49,761,875
    Funds lent in using Kiva
  • 83.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Rose to construct a dairy unit and buy poultry birds.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 19, 2012
May 8, 2012
Currency Exchange Loss:
Feb 17, 2014