A loan of $350 helped to purchase a dairy cow.


Eunice's story

Eunice lives in the Litein area of Kenya. She has two children and has been doing this work for eight years. Her primary income sources are milk, tea, and crops.

She stated what is most enjoyable about farming is 'Selling products and meeting people at the market'. Her biggest challenge is 'animal pests and diseases.' The animals on the farm have been given the names of 'Cheche.'

Eunice was asked why she chose Juhudi Kilimo for this loan, to which she replied, 'Farmer incentives.' This client was also asked what was learned during Juhudi's required micro-finance training session and she replied, 'Grace period.'

Her highest monthly expense is school fees. When asked 'How will this loan benefit her family', Eunice replied 'it will give better living standard.'

As part of Juhudi's loan appraisal process, each borrower's assets are evaluated. Eunice owns the following: a cow but no pigs, poultry, pumps, bicycles, motorcycles, or automobile. Juhudi Kilimo also tries to measure any change in living standards based on this loan. This borrower has in the household 'a mosquito net and TV' but does not have 'electricity, solar power, running water, a sewing machine, or a 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