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Lona is a mother of three children with the first and second-born being aged 9 and 6 years and the last only three months. She has been in farming for eight years and running the farm with the help of five farmhands on a temporary basis. She does a lumbering business besides farming.

Lona has requested a loan of 41,600 KES from Juhudi Kilimo to buy and insure a dairy cow. She reiterates the dairy loan will boost her farming income and enable her to expand even the lumbering business. Her focus is to buy a truck to help in transporting her farm produce.

She plans to continue working with Juhudi Kilimo to access bigger loans. She however notes the major challenges in farming include counterfeit products of inputs and bad debtors especially with her lumbering business which informs her main focus to make farming her core business.

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
  • 386
    View loans »
    Kenya Loans Fundraising
  • $50,248,925
    Funds lent in using Kiva
  • 84.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Lona to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2012
Jul 29, 2012
Currency Exchange Loss:
Aug 18, 2013