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

Sigei's story

Sigei lives in the Litein area of Kenya. He has 2 children and has been farming for 14 years. His primary income sources are milk, eggs, tea and crops. He stated what is most enjoyable about farming: "Feeding animals", and his biggest challenge is "raising funds". Animals on the farm have not been given names.

Sigei was asked why he chose Juhudi Kilimo for this loan, to which he replied: "the low interest rate". This client was also asked what was learned during Juhudi's required micro-finance training session. He responded, "that there is a grace period."

His highest monthly expense is farming costs. When asked how this loan would benefit his family, Sigei replied, "I will be able to educate them."

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Sigei owns the following: 'cow, poultry, pump, bicycle' but does not own 'pig, 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, solar power, TV, DVD' but does not have 'electricity, running water, sewing machine'.

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