A loan of $375 helped to construct a zero grazing unit.

Shem's story

Shem lives in the Nyamira area of Kenya, which is a popular banana-growing region. He has 4 children and has been doing this work for 10 years. His primary income sources are milk, eggs, tea, and crops. Shem enjoys dairy farming and his biggest challenge is insufficient capital and limited market. Animals on the farm have been given the names of 'Nyangera.'

Shem was asked why he chose Juhudi Kilimo for this loan, to which he replied, “training on farming and interest is favorable”. This client was also asked what was learned during Juhudi's required micro-finance training session, to which he replied, “the more you save the more money you get”. His highest monthly expense is school fees. When asked “how will this loan benefit his family”, Shem replied “paying school fees”.

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

Note: To create this loan profile, Juhudi Kilimo used a mobile device to gather information in the field and to 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