A loan of $425 helped to buy and insure a dairy cow.

Elizabeth's story

Elizabeth lives in the Eldoret area of Kenya, which is home to the main campus of Moi University. She has one child and has been actively farming for 12 years. Her primary income sources are milk, eggs, and crops.

She stated what is most enjoyable about farming: 'Feeding my cow!' Her biggest challenge is 'Pest control.' Animals on the farm have been given the names of 'Lelmet.'

Elizabeth was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'They deal with agriculture.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Credit management.'

Her highest monthly expense is farming costs. When asked 'How will this loan benefit your family?' Elizabeth replied 'I will get milk to feed my family.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Elizabeth 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, TV, DVD' but does not have 'electricity, 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