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Richard is aged thirty-seven, a farmer in Kitale county in Kenya where he lives with his wife and three children who are all schooling. He has been in farming for the past four years producing maize, beans, milk and horticultural crops which he sells at the local market in his area.

He is requesting a 31,200 KES loan from Juhudi Kilimo to buy and insure a dairy cow. He will sell the milk and earn extra income which will help him boost his family’s living standards and pay for his children’s schooling. He aspires to have bought two more high grade dairy cows in the next five years.

Diseases and fluctuation of prices are his major challenges in farming.

He is very grateful to Juhudi Kilimo for giving him the loan.

Additional Information

Important Information

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.

About Kenya

  • $1,800
    Average annual income
  • 408
    View loans »
    Kenya Loans Fundraising
  • $50,341,275
    Funds lent in using Kiva
  • 87.6
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Richard to buy and insure a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Feb 8, 2013
Currency Exchange Loss:
May 17, 2014