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

Johanna's story

Johana lives in the Muranga area of Kenya, which produces coffee for export. He has 9 children and has been doing this work for 25 years. His primary income sources are tea crops.

He stated what is most enjoyable about farming is selling farm produce. His biggest challenge is cultivating. Animals on the farm have been given the names of 'Kabiru.'

Johana was asked why he chose Juhudi Kilimo for this loan, he replied, "It is helping farmers do agri- business." This client was also asked what was learned during Juhudi's required micro-finance training session: 'How to manage his finances.'

His highest monthly expense is farming costs. When asked how will this loan benefit his family, Johana replied, "It will improve our living standards."

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Johana owns the following: a cow, pump, bicycle, motorcycle' but he does not own a pig, poultry, 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 a 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