A loan of $475 helped to purchase poultry birds and construct a dairy unit.

Hyline's story

Hyline lives in the Nyamira area of Kenya, which is a popular banana growing region. She has three children and has been farming for eight years. Her primary income sources are milk, eggs, tea, crops, transportation services, personal business.

She stated what is most enjoyable about farming:"'Dairy farming." Her biggest challenge is "Rearing poultry." Animals on the farm have been given the names of "Nyangera." She will channel the loan of 40,000 KES requested from Kiva partner Juhudi Kilimo to buy poultry birds and construct a dairy unit for the cows.

Hyline was asked why she chose Juhudi Kilimo for this loan, to which she replied: "Interest is low." This client was also asked what was learned during Juhudi's required micro-finance training session: "Micro loans improve lives from one point to the other."

Her highest monthly expense is family expenses. When asked "How will this loan benefit your family?" Hyline replied, "Improved income means better life."

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Hyline owns the following: cow, poultry, pump, motorcycle. but does not own pig, bicycle, automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household mosquito net, electricity, TV, DVD, but does not have solar power, running water, sewing machine.

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

Lenders and lending teams

Loan details