A loan of $775 helped to purchase a 'posho' (cornmeal) mill.

Magdaline's story

Magdaline lives in the Eldoret area of Kenya, which is extremely fertile for agriculture. She has one child and has been doing this work (agriculture) for eight years. Her primary income sources are milk, eggs, crops, transportation services, and personal business.

She stated what is most enjoyable about farming: 'Earning from agriculture to meet family needs' Her biggest challenge is 'Access to funds.' An animal on the farm has been given the name of 'Cheptil.'

Magdaline was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Joined Juhudi Kilimo after seeing members from another group benefit from Juhudi Kilimo.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Was taught how to manage funds in agriculture like record keeping.'

Her highest monthly expense is school fees. When asked 'How will this loan benefit her family', Magdaline replied 'Will generate more income through value addition of agricultural product.'

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