A loan of $375 helped to purchase rabbits.

Caroline's story

Caroline lives in the Nkubu area of Kenya, located at the slopes of Mt.Kenya. She has one child and has been doing this work for five years. Her primary income sources are sales of milk, eggs, tea, crops and her personal business.

She has stated what is most enjoyable about farming: 'The interest I get from it.' Her biggest challenge is a 'lack of capital.' Animals on the farm have been given the names of 'Mutune.'

Caroline was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Juhudi are very friendly to their clients.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'Microfinance is the most convenient way to borrow for low earners.'

Caroline's highest monthly expense is school fees. When asked 'how will this loan benefit her family?', Caroline replied 'I will educate my child.'

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