A loan of $350 helped to buy poultry.


Gladys's story

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.



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