Basil is 32, a farmer in Nkubu county in Kenya. He has been practicing mixed-farming for 4 years, producing milk and fruits which he sells to people in his local area. He also operates a boda-boda business (bicycle or motorcycle transport) as an additional source of income.
He is requesting a 45,000 KES loan from Juhudi Kilimo to purchase materials to construct a zero-grazing unit for his dairy cows. A zero-grazing unit is a shaded, enclosed structure where fodder and water are brought, vs the cows roaming in the open, which facilitates catching diseases or damaging the environment. This will help him increase his production of milk, leading to more income and improvement of his living standards.
Poor rainfall and pests are his major challenges in farming.
He aspires to buy his own car to help him in the transportation of his products.
Basil says Juhudi Kilimo has the best interest rates for small-scale farmers.
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.