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Florence is a resident of an area called Nkubu in Central Kenya, where she has been practicing mixed farming for nearly 30 years. Her farm produces French beans, maize, cabbage, and potatoes for the local market. She is married with four adult children.

Florence has requested a loan of 41,600 KES from Kiva partner Juhudi Kilimo to buy and insure a dairy cow. She reiterates that farming has been her main source of income and remains optimistic about generating more income. She plans to buy more land to help her produce a variety of products.

Florence says high costs of inputs like fertilizers remain the greatest challenge in farming. She, however, adds that Juhudi Kilimo loans have empowered smallholder farmers immensely.

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
  • $50,337,625
    Funds lent in using Kiva
  • 84.1
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Florence to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 15, 2012
Jul 6, 2012
Currency Exchange Loss:
Jun 20, 2013