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Flomena lives in the Eldoret area of Kenya, which is extremely fertile for agriculture. She has seven children and has been doing this work for 20 years. Her primary income sources are milk, eggs, crops, and personal business.

Flomena was asked why she chose Juhudi Kilimo for this loan, to which she replied, "I heard about Juhudi from a friend at the university." This client was also asked what she learned during Juhudi's required microfinance training session and she replied, "loan product diversity is offered."

Her highest monthly expense is business related. When asked how will this loan benefit your family, Flomena replied that surplus income enables her to feed and clothe her family.

Flomena also stated what is most enjoyable about farming: "Satisfaction working with animals!" Her biggest challenge is drought during the dry season. The animals on the farm have been given the names of Ayshire and Jersey.

[Cow, poultry, pig, bicycle, motorcycle, automobile, tractor, pump]
Given the above list of assets to choose from, Flomena owns the following: cow, poultry, bicycle

[Mosquito net, electricity, solar power, running water, sewing machine, TV, DVD]
Given the above list, Flomena's household has the following: net

*****By using mobile devices in the field to build this profile, Juhudi Kilimo is making its operations more efficient. This keeps costs down, reduces paper usage and provides more information to potential Kiva lenders!*****

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
  • 365
    View loans »
    Kenya Loans Fundraising
  • $50,273,275
    Funds lent in using Kiva
  • 83.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Flomena to buy and insure a dairy cow.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 27, 2012
Aug 20, 2012
Currency Exchange Loss:
Aug 18, 2013