A loan of $450 helped to purchase a dairy cow.


Mary's story

Mary lives in the Litein area of Kenya. She has three children and has been farming for 20 years. Her primary income sources are milk, eggs, tea, and crops. She stated what is most enjoyable about farming: "Milking". Her biggest challenge is "Animal food stuffs". Animals on the farm have been given no names.

Mary was asked why she chose Juhudi Kilimo for this loan, to which she replied: 'Better payment terms.' This client was also asked what was learned during Juhudi's required micro-finance training session: 'That loans are for farmers.' Her highest monthly expense is farming costs. When asked 'How this loan would benefit her family', Mary replied that she" will be able to educate her children."

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