A loan of $250 helped to construct a zero grazing unit.


Daniel's story

Daniel lives in the Litein area of Kenya. He has 4 children and has been doing this work for 9 years. His primary income sources are milk, eggs, and tea. He stated Juhudi’s loan meetings as the most enjoyable part of farming. His biggest challenge is plowing land. Animals on the farm have been given the names of 'Tin’.

Daniel was asked why he chose Juhudi Kilimo for this loan, to which he replied “good client relation”. He was also asked what he learned during Juhudi's required microfinance training session, to which he replied “asset financing”. His highest monthly expense is school fees. When asked how the loan would benefit his family, Daniel replied, “basic needs will be more available”.

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