Everline is 31 years old, married, and has three children, between 1 and 9 years old. She is a small-scale farmer from Nyamira town, in western Kenya. She has been in the farming business for seven years and has employed two temporary workers. Her mixed farm produces tea, sorghum, milk, vegetables, maize and beans, which are sold to the local market. She is also employed at a local tea factory.
She has made a loan request of 60,000 KES (Kenyan Shillings) through Juhudi Kilimo, in order to buy a dairy cow. She is optimistic that this loan will enable her to acquire a quality dairy cow that will produce enough milk for domestic consumption and sale. The proceeds from the sale of milk will help her to improve the livelihood of her family. She hopes to be the major milk supplier to the local market, in the near future.
Everline is passionate about farming, but she doesn't have enough time to work at her farm since she is employed. However, she trusts and believes in her casual laborer, to do the farm work well.
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.