A loan of $500 helped to buy and insure a dairy cow.


Esther's story

Esther lives in the Muranga area of Kenya, which lies in the central Rift Valley. She has one child and has earned a living for the last 20 years by producing milk and various crops. She enjoys farming, but suffers from a lack of capital. She will use this loan to buy and insure a dairy cow. She likes being a client at Juhudi Kilimo because it offers low interest rates and good repayment terms. Her main monthly expense is caring for her family. When asked "How will this loan benefit your family?," Esther replied "I will get more income from my dairy cows and therefore be able to better provide for my family's needs." As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Esther owns a cow and poultry, but does not own a pig, pump, bicycle, motorcycle, or automobile. She has a household mosquito net and electricity, but does not have solar power, running water, a sewing machine, a TV or a DVD player Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and send it to a central online repository. This reduces our paper use, makes the lending business more efficient, and keeps costs down.



Loan details


Lenders and lending teams



Loan details