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Charles is a 36-year-old farmer in Kisii county, in Kenya, where he lives with his wife and three children. Only one child has started schooling. Charles has been in farming for over five years, producing milk, maize, beans, bananas, and tea which he sells at the local market in his area. He is employed as an additional source of income.

Charles is requesting a KES 31,200 loan from Juhudi Kilimo to buy and insure a dairy cow which will give him more produce and earn him extra income that will uplift his family's livelihood. He will use some of the money to pay school fees for his children.

Charles aspires to have two more dairy cows in the next five years. Poor climatic changes and lack of adequate capital are his major challenges in farming. Charles is thankful to Juhudi Kilimo for the support it is giving to its clients.

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
  • 565
    View loans »
    Kenya Loans Fundraising
  • $49,847,375
    Funds lent in using Kiva
  • 86.8
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Charles to buy and insure a dairy cow for his farm.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 9, 2013
Jan 17, 2013
Currency Exchange Loss:
Feb 17, 2014