A loan of $725 helped to construct a zero grazing unit.


Shelmith's story

Shellmith lives in the Ndaragwa area of Kenya, which has one of the cooler climates in Kenya. She has 6 children and has been doing this work for 20 years. Her primary income sources are milk, eggs and crops.

She stated what is most enjoyable about farming: 'Taking care of my dairy cows'. Her biggest challenge is 'Feeding the animals.' Animals on the farm have been given the names of 'Kanji, Varentine (all cows).'

Shellmith was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'It's easy to borrow.' This client was also asked what was learned during Juhudi's required microfinance training session: 'They assist people to get loans with little security.'

Her highest monthly expense is school fees. When asked 'How will this loan benefit your family', Shellmith replied 'It will improve my dairy farming, leading to increased milk production.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Shellmith owns the following: 'cow, poultry, pump and bicycle' but does not own 'pig, 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 net, solar power, running water, TV and DVD' but does not have 'electricity or 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