A loan of $750 helped to purchase a dairy cow.

Carison's story

Carison lives in the Kitale area of Kenya, which has a high regional output of maize. He has two children and has been doing this work for 11 years. His primary income sources are milk, eggs, crops, and personal business.

He stated what is most enjoyable about farming: 'Dairy farming!' His biggest challenge is "dairy animal diseases". He will use the loan of 62,400 KES from Juhudi Kilimo to buy and insure a dairy cow.

Carison was asked why he chose Juhudi Kilimo for this loan, to which he replied: 'Juhudi Kilimo tries to improve the lives of farmers by giving loans to smallholder farmers." This client was also asked what was learned during Juhudi's required micro-finance training session: 'How to use the money borrowed from Juhudi Kilimo to avoid defaulting.'

His highest monthly expense is school fees. When asked 'How will this loan benefit your family?', Carison replied, "I will get money from selling milk so as to supplement my income and provide basic needs to my family".

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Carison owns the following: 'cow, poultry, bicycle' but does not own 'pig, pump, 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, electricity, TV, DVD' but does not have '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