Ezinas is 24 years old. She is a farmer in the Kitale county in Kenya, where she lives with her husband and two children. Both her children are in school.
Ezinas has been in farming for the past three years, producing milk and eggs which she sells at the local market.
She is requesting a loan of 62,400 KES from Juhudi Kilimo to buy and insure a dairy cow that will provide her with more milk. Ezinas will sell the milk and earn extra income. She will use this income to improve her living conditions and pay for her children’s schooling. She aspires to buy yet another dairy cow in the next five years.
Diseases and price fluctuation are her major challenges in farming.
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.