A loan of $250 helped to purchase a dairy cow.

Mary's story

Mary lives in the Litein area of Kenya. She has six children and has been doing farming for nine years. Her primary income sources are milk and eggs.

She stated what is most enjoyable about farming: "Selling farm produce." Her biggest challenge is cultivating. An animal on the farm has been given the name of Papa.

Mary was asked why she chose Juhudi Kilimo for this loan, to which she replied: "It offers a grace period." This client was also asked what was learned during Juhudi's required micro-finance training session: "Interest is affordable."

Her highest monthly expense is school fees. When asked how this loan will benefit her family, Mary replied that it would provide a better education for her children.

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