Emily is the mother of two children aged 13 and 7 years and has been actively farming for five successive years at her rural home in the Nkubu area of Central Kenya. Her farm produces coffee, maize, beans and bananas for the local market. She is a teacher by profession.
Emily has requested a loan of 30,000 KES (being her third loan after the first and second ones of 15,000 KES and 20,000 KES respectively) from Juhudi Kilimo to buy dairy goats. She says she wants to raise dairy goats because of their high nutritional milk and resistance to harsh weather conditions. Emily hopes to raise more income to pay for her children's education. She also plans to install an irrigation system on her farm to mitigate the challenge of low rainfall.
She appreciates Juhudi Kilimo's loan services which have enabled her to acquire more assets for her family.
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.