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

Pamela's story

Pamela lives in the Kitale area of Kenya, which has a high regional output of maize. She has five children and has been farming for five years. Her primary income sources are milk, eggs, and crops.

She stated what is most enjoyable about farming: "Profits from milk selling!" Her biggest challenge, she says, is maintenance and cleaning of her zero grazing unit. Animals on the farm have been given names like Mary.

Pamela was asked why she chose Juhudi Kilimo for this loan, to which she replied, "Because of dairy cattle insurance." This client was also asked what was learned during Juhudi's required micro-finance training session. She responded, "It's very important to save because it will help you in future."

Her highest monthly expense is school fees. When asked "How will this loan benefit your family?," Pamela replied "By getting more milk to sell and improve the family income."

As part of Juhudi's loan appraisal process, like each borrower her assets are evaluated. Pamela owns the following: cow, poultry, and bicycle; but does not own: pig, pump, motorcycle, or automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household mosquito netting, running water, and a TV but does not have electricity, solar power, sewing machine, or DVD player.

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and send the data to a central online repository, thus reducing paper use, making the process more efficient, and keeping costs down.

Loan details

Lenders and lending teams

Loan details