Phidah is a resident and a farmer in Kitale where she lives with her husband and children. She has been involved in farming activities for 22 years. Currently, Phidah supplies mainly the local market with maize, milk and poultry products which provide her with income for her family's upkeep.
Phidah has made a loan request amounting to 41,600 KES from Kiva partner, Juhudi Kilimo, to help her to buy and insure a dairy cow. She says the additional dairy income will help boost her agricultural business within the local market as well as easing her efforts to provide for her family's basic needs.
Phidah notes that farming business challenges are mainly animal diseases, inadequate rains and the high cost of farm inputs. However, she is confident that she will be able to improve her family's living standards through farming.
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.