A loan of $600 helped to purchase a dairy cow.

Emily's story

Emily lives in the Eldoret area of Kenya. She has three children and has been doing farming work for five years. Her primary income sources are milk, eggs, and crops.

She stated what is most enjoyable about farming: "Milking." Her biggest challenge is: "Ecto parasite." Animals on the farm have been given the names of: "Tepes."

Emily was asked why she chose Juhudi Kilimo for this loan, to which she replied: "They have agricultural products." This client was also asked what was learned during Juhudi Kilimo's required microfinance training session: "Record-keeping."

Her highest monthly expense is farming costs. When asked, "How will this loan benefit her family?," Emily replied: "I will get milk to feed my farm."

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