A loan of $600 helped to buy and insure a dairy cow.

Margaret's story

Margaret lives in the Nyamira area of Kenya, which is a popular banana growing region. She has 5 children and has been doing this work for 25 years. Her primary income sources are milk, eggs, tea and crops.

She stated what is most enjoyable about farming: 'Returns!' Her biggest challenge is 'Finances.' Animals on the farm have been given the names of 'Nyabarati.'

Margaret was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Convenient since loan officers visit the groups in the field.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Loaning process requirements." She will channel the loan to purchase and insure a dairy cow.

Her highest monthly expense is school fees. When asked, 'How will this loan benefit your family?', Margaret replied 'Increase family income to meet basic needs.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Margaret owns the following: 'cow, poultry', but does not own 'pig, pump, bicycle, motorcycle, 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