A loan of $750 helped to buy and insure a dairy cow.

Annlyne's story

Annlyne lives in the Eldoret area of Kenya, which is extremely fertile for agriculture. She has four children and has been farming for 12 years. Her primary income sources are selling milk and eggs, growing crops, and transportation services.

Annlyne indicated that what is most enjoyable about farming is 'earning from the sale of milk!' Her biggest challenge is 'diseases in livestock.' One of the animals on the farm is named 'Lelmet'.She will use the loan amount specifically to buy and insure a dairy cow.

Annlyne was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'from a neighbour.' She was also asked about what she learned during Juhudi's required micro-finance training session: 'How to earn income from agriculture.'

Her highest monthly expense is school fees. When asked, 'How will this loan benefit your family?', Annlyne replied, 'increased income to the family.'

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

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and to 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