A loan of $575 helped to purchase poultry and materials for a zero grazing unit.


James's story

James lives in the Nyamira area of Kenya, which is a popular banana growing region. He has six children and has been a farmer for 22 years. His primary income sources are milk, eggs, tea, crops and other personal business activities. He has given the animals on his farm the name 'Nyagacho.' The thing he most likes about farming are the assured returns from his work, while his biggest challenge is 'lack of capital.' His highest monthly expenses are his children's school fees.

James chose Juhudi Kilimo for this loan due to the convenience of meeting with its staff and the training they offer. He said he learnt about the importance of saving during Juhudi's required micro-finance training session. When asked 'How will this loan benefit your family?', James replied 'Increase family income and help meet basic needs.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated and changes in living standards that result from loans are measured. Currently, James owns cows, poultry and a bicycle, but does not own pigs, a pump, a motorcycle or an automobile. His household has mosquito nets, solar power and a TV but does not have electricity, running water, a sewing machine or a DVD player.

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



Loan details


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Loan details