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


Jane's story

Jane lives in the Eldoret area of Kenya, which is extremely fertile for agriculture. She has three children and has been doing this work for 11 years. Her primary income sources are milk, crops and personal business. She will use the loan to buy a dairy cow.

She stated what is most enjoyable about farming: "Being able to meet family needs from agricultural income." Her biggest challenge is "high costs of inputs." The animal on the farm is named Lelmet.

Jane was asked why she chose Juhudi Kilimo for this loan, to which she replied: "Got information concerning Juhudi from a neighbour." This client was also asked what was learned during Juhudi's required micro-finance training session. The client learnt the saving culture for the purpose of acquiring credit to boost working capital.

Her highest monthly expense is farming costs. When asked "How will this loan benefit your family?" Jane replied, "Increased working capital thus boosting production."

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Jane 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 does not have mosquito net, 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


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Loan details