A loan of $250 helped to purchase a dairy goat.

Timothy's story

Timothy lives in the Muranga area of Kenya, which is a heavy pineapple-producing region. He has two children and has been doing farming for 14 years. His primary income sources are tea and crops.

He stated what is most enjoyable about farming: "Feeding my animals." His biggest challenge is: "Spraying pesticides and cultivating." Animals on the farm have been given no names.

Timothy was asked why he chose Juhudi Kilimo for this loan, to which he replied: "It offers better terms for farmers." This client was also asked what was learned during Juhudi Kilimo's required microfinance training session: "Helps farmers access farming assets."

His highest monthly expense is school fees. When asked, "How will this loan benefit his family?," Timothy replied, "Paying school fees for his children from the income."

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