A loan of $725 helped to construct a zero grazing unit.

Janet's story

Janet lives in the Nkubu area of Kenya, which grows a lot of 'miraa', which can be chewed like tobacco. She has three children and has been doing farm work for twelve years. Her primary income sources are milk, tea, and crops.

She stated what is most enjoyable about farming: 'Managing herself and being able to make a living.' Her biggest challenges are pests and diseases. Animals on the farm have been given the names of 'Jomo.'

Janet was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Convenience in disbursement and a flexible payment period.' This client was also asked what she learned during Juhudi's required micro-finance training session: 'That I can achieve my target if I take the loan with the right mindset.'

Her highest monthly expense is school fees. When asked how this loan would benefit her family, Janet replied, 'their living standards will improve.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Janet owns 'cows and poultry' but does not own 'pigs, 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, solar power, running water, TV, and DVD' but does not have 'electricity or a sewing machine'.

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