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


Caroline's story

Caroline lives in the Litein area of Kenya. She has 4 children and has been doing this work (farming) for 6 years. Her primary income sources come from selling milk, eggs, and tea.

She stated that in farming, her biggest challenge is that, "Animal feeds are expensive." Animals on the farm have been given the names of 'Moita'.

Caroline was asked why she chose Juhudi Kilimo for this loan, to which she replied, "Because of good training." This client was also asked what was learned during Juhudi's required micro-finance training session. She said, "It gives loans to farmers."

Her highest monthly expense is school fees. When asked how this loan would benefit her family, Caroline replied that it, "Will help meet family needs." The loan will be used to construct a grazing unit.

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