A loan of $800 helped to purchase dairy cows.


Sarah's story

Sarah lives in the Eldoret area of Kenya, which is home to the main campus of Moi University. She has three children and has been involved in farming for two years. Her primary income sources are milk, eggs, tea. Her biggest monthly expenses derive from farming costs, and her biggest challenge is the control of parasites.

Sarah chose Juhudi Kilimo for this loan because of the the training it offers farmers. During the required micro-finance training session, she learned the techniques involved in credit management.

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Sarah 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, 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