A loan helped to buy a dairy cow.


Augustine's story

Augustine lives in the Litein area of Kenya, which houses a campus of Mt. Kenya University. He has four children and has been doing this work for 10 years. His primary income sources are milk and tea.

He stated what is most enjoyable about farming: 'Dairy farming!' His biggest challenge is 'milking and feeding.' Animals on the farm have been given the names of 'Chebirir'.

Augustine was asked why he chose Juhudi Kilimo for this loan, to which he replied, 'Faster loan processing'. This client was also asked what was learned during Juhudi's required micro-finance training session and he replied, 'group management and loaning process.'

His highest monthly expense is school fees. When asked 'How will this loan benefit your family?' Augustine replied, 'It will help earn income for school fees'.

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Augustine owns a cow but does not own a pig, poultry, a pump, a bicycle, a motorcycle, or an automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household a mosquito net and a sewing machine but does not have electricity, solar power, running water, a TV, or a 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