A loan of $575 helped to buy a dairy cow.

James's story

James lives in the Nyamira area of Kenya, which is a popular banana growing region. He has two children and has been doing this work for 28 years. His primary income sources are milk, eggs, tea, crops and personal business.

He stated that what is most enjoyable about farming is the returns. His biggest challenge is diseases. Animals on the farm have been given the names of Maridadi.

James was asked why he chose Juhudi Kilimo for this loan, to which he replied because it is cheap. He was also asked what he learned during Juhudi's required micro-finance training session and he answered 'savings management.'

His highest monthly expense is family expenses. When asked 'How will this loan benefit your family?', James replied 'Increase family income.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. James 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' but does not have 'electricity, solar power, running water, sewing machine, TV, DVD'.

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