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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.

Additional Information

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic book keeping and local market research.

About Kenya

  • $1,800
    Average annual income
  • 531
    View loans »
    Kenya Loans Fundraising
  • $49,761,875
    Funds lent in using Kiva
  • 85.7
    Kenya Shillings (KES) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shem to construct a zero grazing unit.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 24, 2013
Jun 23, 2013
Currency Exchange Loss:
May 17, 2014