A loan of $475 helped to buy poultry birds.


Charles's story

Charles lives in the Litein area of Kenya, which houses a campus of Mt. Kenya University. He has four children, and has been a farmer for five years. His primary income sources are milk and maize. His highest monthly expense is school fees.



Charles stated he enjoys farming, but his biggest challenge is lack of funds. He has requested a loan of 40,000 KES from Juhudi Kilimo to help him buy poultry birds, as he wants to venture into poultry farming in order to diversify his farming income and improve the living standards of his family.



Charles was asked why he chose Juhudi Kilimo for this loan, to which he replied: "The interest rate is low." This client was also asked what was learned during Juhudi's required micro-finance training session: "That Juhudi Kilimo gives loans to smallholder farmers." When asked 'How will this loan benefit your family?', Charles replied, 'Their livelihood shall improve.'



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