A loan of $775 helped to buy a dairy cow.

Winny's story

Winny lives in the Litein area of Kenya, which houses a campus of Mt. Kenya University. She has four children and has been doing this work for nine years. Her primary income sources are milk, eggs, and tea.

She stated what is most enjoyable about farming: "Selling products!" Her biggest challenge is "cultivating." Animals on the farm have been given the names of "Kaiu."

We asked Winny why she chose Juhudi Kilimo for this loan, to which she replied, "Meetings with officers." We also asked her what she learned during Juhudi's required microfinance training session. She said, "Grace period."

Her highest monthly expense is school fees. When asked "How will this loan benefit your family?" Winny replied that she will educate her children better.

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Winny owns a cow and poultry, but does not own a pig, pump, bicycle, motorcycle, or automobile. Juhudi Kilimo also tries to measure how this loan changes the borrower's standard of living. This borrower has: "mosquito net, TV," but does not have: "electricity, solar power, running water, sewing machine, or DVD player."

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