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Ruth is aged 28. She is a farmer in Kitale county, where she lives with her husband and five children, only four of whom are schooling. She has been in farming for the past 13 years, producing maize and beans, which she sells at the local market in her area.

She is requesting a 41,600 KES (Kenyan shillings) loan from Juhudi Kilimo to buy and insure a dairy cow. She will sell the milk, which will help her get extra income and use the proceeds to uplift her living standards and educate her children. She aspires to have two dairy cows and a poultry farm in the next five years.

Competition and poor market prices are her major challenges in farming.

Ruth is glad she joined Juhudi Kilimo.

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
  • 425
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 85.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ruth to buy and insure a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Nov 23, 2012
Currency Exchange Loss:
Sep 17, 2014