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Nancy is a 52-year-old farmer in Ndaragwa county, Kenya, where she lives with her husband. All her children are adults and have finished schooling. Nancy has been in farming for the past 30 years, producing milk, maize and horticultural crops, which she sells at the local market in her area.

She is requesting a loan in the amount of 41,600 KES from Juhudi Kilimo, to buy and insure a dairy cow. She will sell the milk from the cow and earn extra income, which will help her to improve her livelihood and to pay for her late daughter’s children's schooling.

Drought and diseases are her major challenges in farming.

Nancy says she is happy to have found a reliable partner in Juhudi Kilimo, which helps people like her to get loans.

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
  • 398
    View loans »
    Kenya Loans Fundraising
  • $50,341,275
    Funds lent in using Kiva
  • 86.2
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Nancy to buy and insure a dairy cow.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Dec 17, 2012
Currency Exchange Loss:
Mar 18, 2014