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Gladys lives in the Nyamira area of Kenya, which is a popular banana growing region. She has 3 children. Gladys has been farming for 21 years and her primary income sources are eggs, tea, crops and personal business. Gladys states that tea farming is the most enjoyable aspect to farming and that her biggest challenge is growing tomatoes. One of the animals on the farm is named 'Nyabarati'.

Gladys has requested a loan of 30,000 KES from Kiva partner Juhudi Kilimo to help her buy poultry. When asked why she chose Juhudi Kilimo for this loan, Gladys replied, "The interest is favourable." When asked what she learned during Juhudi's required micro-finance training session, Glady replied, "that savings is an important part of it." Gladys' highest monthly expense is school fees. Gladys states that this loan will benefit her family by enabling her children to get adequate education.

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Gladys owns a cow, poultry and a pump but does not own pigs, a bicycle, motorcycle or automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. Gladys has in her household mosquito nets but does not have electricity, solar power, running water, a sewing machine, TV or DVD.

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and sent the data to a central online repository, thus reducing paper use, making the process more efficient, and keeping costs down.

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
  • 498
    View loans »
    Kenya Loans Fundraising
  • $50,344,275
    Funds lent in using Kiva
  • 86.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Gladys to buy poultry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 3, 2013
Jan 14, 2013
Currency Exchange Loss:
Jul 17, 2014