A loan of $725 helped to purchase a chaff cutter (for cutting straw or hay).


David's story

David lives in the Litein area of Kenya. He has three children and has been farming for 10 years. His primary income sources are from milk and tea.

For David, what is most enjoyable about his business is “dairy farming.” His biggest challenge is “animal feed.” Animals on his farm have been named “Seroi.”

David’s highest monthly expense is school fees. He believes this loan will help him earn more income for the benefit of his family.

David chose Juhudi Kilimo for this loan because of the organization’s “grace period.” During its required micro-finance training session, David learned that Juhudi Kilimo “gives loans to poor farmers.”

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. David owns a cow and poultry but does not own a pig, pump, bicycle, motorcycle or automobile. Juhudi Kilimo also tries to measure any change in living standards because of this loan. David has a mosquito net but does not have electricity, solar power, running water, a sewing machine, TV or DVD player.

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