A loan of $600 helped to construct a zero-grazing unit.

Linner's story

Linner lives in the Litein area of Kenya. She has five children and has been doing this work (farming) for five years. Her primary income sources are milk, tea and crops.

She stated what is most enjoyable about farming: “Digging”. Her biggest challenge is, “inadequate funds.” Animals on the farm have been given the names of “Lelkina”.

Linner was asked why she chose Juhudi Kilimo for this loan, to which she replied, “Low interest rates on (the) loan.” This client was also asked what was learned during Juhudi's required microfinance training session and replied, “It processes loans faster.”

Her highest monthly expense is school fees. When asked, “How will this loan benefit (your) family?”, Linner replied, “Will boost income for the family.”

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Linner owns a 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, but does not have electricity, solar power, running water, sewing machine, TV, or 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