A loan of $375 helped to purchase a dairy cow.

James's story

James lives in the Eldoret area of Kenya, which is a primary milk producing area. He has four children and has been doing this work for nine years. His primary income sources are milk, eggs, crops, and transportation services.

He stated what is most enjoyable about farming: 'dairy keeping'. His biggest challenge is drought. Animals on the farm have been given no names.

James was asked why he chose Juhudi Kilimo for this loan, and he replied: 'it is very efficient.' This client was also asked what was learned during Juhudi's required micro-finance training session and he said, 'savings culture.'

His highest monthly expense is school fees. When asked 'How will this loan benefit his family', James replied 'ease payment of school fees.'

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

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